Knowing what my mortgage is....sm
Posted By: Florida friend......*hugs* on 2006-05-01
In Reply to: To stay focused sm - mlstoo
truly keeps me motivated....the mortgage is HUGE....*bites nails*
*lol*
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i specifically refinanced my mortgage because my lender transferred my mortgage to a company
that offshores. Ironically, my NEW mortgage co. just transferred me back to the same company that offshores. I can't win.
You don't need a mortgage if you can't eat.
x
That is my mortgage payment alone - sm
Our expenses for the month are about 5-6K per month.
If only, if only...Our mortgage alone is 2650.
s
mortgage shopping
Hi, this board is so helpful regarding so many different things, I thought I'd ask about my current dilema. Just sold my home in SE New Mexico, moving to Albuquerque. Obviously a site built home is the easiest one to get a mortgage for at low interest rates (I have excellent credit), but because of the cost I'm also looking at manufactured/mobile homes on their own land and in a park. This is just for me and my dog, so I don't need anything large anyway. Does anyone have any advice regarding buying a modular/mobile home as I have never owned one before? Thank you for any thoughts you might have regarding this.
Put your name on the deed, just not the mortgage
talk to a good loan officer at a bank about the difference.
Info from 2 different mortgage officers.sm
I wasn't implying that you COULDN'T get approved, I was saying that your score would be higher with fewer open accounts, whether or not they were being used.
For most the mortgage/rent is the most expensive.
nm
About 50K in debt not counting mortgage. nm
x
Website address is for mortgage co?nm
x
The Mortgage-Lifter Tomato
A few years ago, I heard the story behind this great garden vegetable and did order some mortgage-lifter seeds from a catalog.
In the 1960s, a gentleman developed/raised mortgage-lifter tomatoes, selling them off for $1.00 each and sold enough to pay off his $6,000 mortgage. Thus, he named them mortgage-lifters.
Granted, it's too late in the year to start this enterprise now, but selling seedlings to gardeners is one way to earn some extra money.
I live in a rural area and do plant a small vegetable garden every year. I start tomatoes from seeds, and usually end up with more plants than I need. Most people I know do purchase seedlings; they don't start out with seeds. My son and I have decided that we will sell seedlings (more than just tomatoes) next spring at a weekly yard sale in our front yard.
Mortgage-Lifter story is here:
http://www.loe.org/shows/segments.htm?programID=05-P13-00038&segmentID=8
Knowing what I know now, NO, I would not become an MT. nm
x
It is just knowing what you
are typing as you go along, reading as you type. If you are using abbreviation expanders, make SURE that you have not typed a WRONG expansion. Good Luck!
My mortgage payment is nearly that much. Ten year loan.
Mortgage late payment question. sm
I have 18 months left on my 30 year mortgage, roughly 4K left. If I don't pay my February 1st payment until March 2nd, is it likely they will demand the whole 4K immediately? Just broke right now. 
ask the mortgage company to produce the note
Just heard about this tactic this week. Most mortgages have been sold and resold and if you ask them to produce the original note you signed on the mortgage most of the time they can't and it will buy you some time. Do a search on it.
Comes sometimes with just knowing the right people. sm
Many of these positions are not advertised, just referred.
Knowing English as well
In your post you said "I am knew" to the transcription world. It should be new. This is just what would keep you from passing a transcription test.
I would be interested in knowing this as well....
Not knowing your husband, so I'm
not sure if this will work. Place the clothes in the basket but DON'T wash them anymore. Clean the dishes but DON'T cook for him anymore (this also eliminates the need for paper plates). See if he notices....LOL.
I has been my experience in knowing other ICs--sm
that they usually try to find someone who will cover for their work load while they are gone. It is not fair to overload the other ICs who work there too and that would keep you from being overloaded yourself when you return. It may make your employer a little more amenable to you being gone, if they knew that there would still be someone there to do the work. just a thought.
Knowing what I have heard from others
including nurses, the field is wide open for the pay scale. If I had the chance to go either MTing or nursing, definitely choose nursing. The situation in transcription has been going down in pay and I doubt it will improve. I have met nurses who have their house notes paid, their vehicles paid, $$$$ because of physicians wanting someone in their office. To me this is a no-brainer. I do not think the 2 compare when it comes to the bottom line, money that is. The working at home is ok but my pay, for example, has fell in the 80s from the high $50,000 to maybe the medium 20s now. If younger and had the chance, I would say nursing is a wonderful opportunity.
I'm interested in knowing how much
one should make after 19 years? I ALWAYS short-change myself and would love to know how to know when it is okay to push for more and when it doesn't matter because they won't go any higher. A couple of weeks ago, for example, somebody said Diskriter offered them nearly 10 cpl, but I had 18 years of experience when I interviewed with them last year, and they said 8 cpl was as high as they would go. If I had said, no thanks, I have to have more per line, would they have gone higher? Somebody explain to me how to negotiate... I would hate for my paycheck to be 20% less because I'm not savvy enough in this regard.
Knowing the truth....
Anyone who has been in this industry doing MT for more than 30 years and has survived knows the score. We feel grateful for our skills and we are humbled by the years of dedication it took to crack any nut thrown our way. People in the industry know who we are and most of us just prefer to do straight transcription because we know what we are doing and feel comfortable.
Also, we love the challenge of being able to decipher a really difficult report and make that doctor happy especially the ESL.
From my point of view, there are just to many MTs who go to QA hoping to learn something but the learning is in the transcribing. Just reading the reports is not going to give you that edge. You need to develop the "ear" and a knowledge of the specialties that only true dedication brings to the forefront.
We're living in a time when people want to make easy money without really having any experience or real knowledge. They just feel if they go to that good school, they will be all set and ready to make big bucks. It's that mentality of entitlement minus the years of hard work and dedication that is ruining this country. Sadly, it seems the more you know and the harder you work, the less you make.
Call it moral degredation.
Can deduct portion of mortgage, utilities.Equip
x
% of mortgage, water, electric, gas, trash pick-
x
You gave notice to your old job w/o knowing
what your line rate would be? Am I understanding that correctly?
thanks...just knowing there are others, same age bracket, skills, etc...does help...
like you, I LOVE this job, and actually chose it - not the other way around. Fortunately, it has not cost me anything, really, like the other poster mentioned; but I too am scared.
It is always upsetting when you life changes because of things out of your control...at our age, we are from the times when people had one job until they retired. I know that is history, but man, this way is ridiculous. Flying from job to job, no continuity, no structure. What good can come of this anyway.
like the other poster mentioned, who cares about us anyway, really. the rich only care about getting richer, and that crap about giving the tax cuts to the rich and they will 'share it' - what a bunch of fools we have been.
thanks for sharing!
ROFLMAO - you're better off not knowing!
 nm
I am interested in knowing more about wireless
I am in the very same situation as the first poster, although I do have a reliable ISP and connect at 50+ Kbps all the time.
I know nothing about wireless and am wondering if it would be advantageous for me. Please keep in mind, I not the most computer literate person. :D Could you explain it to me in further detail? If you would like, please feel free to send me an E-mail.
Thanks so very much.
Sandi
kids have no business even knowing about this!!
nm
You're right, it doesn't, but it does help already knowing
the basics of medical terminology and such.
Hard to say without knowing your interests.
Try to find a site that helps you determine a good fit for your likes and skills. You may also want to consider some community college course(s) in subjects of interest to you to help determine where you want to go. Look at this as an opportunity to try something completely different if you're so inclined.
My personal goal is when my mortgage is paid off by half - just 125K to go!
Then I will cut back to part time and let hubby carry me. :-) He makes lots more than I do now anyway.
I'm interested in knowing the brand - I'm looking a new chair. Thanks! nm
xx
Without knowing the details of your finanacial situation . . .
it's impossible to know. If you have good credit 18 points shouldn't be hard to do. Didn't he have any other suggestions? One thing you can do is, if you have a good banking relationship, get a small signature loan from that bank and pay it back in 30 days. That will raise your score, but ONLY if the bank doesn't pull a credit report, since that takes off a few points. Get a $500 or $1000 loan, let it sit in your account, and then pay it back. It will only cost a month's interest and should raise your score enough.
I would be interested in knowing if they have young children too?
x
They might not, but I would still get satisfaction knowing I didn't keep quiet about it. sm
And you know AHDI probably has the attitude of "well nobody has ever come to us telling us we're not working for them," or some such thing.
Sort of like passing your driving test and knowing. . .
That you'll never have to take it again!
Well, at least until you're 80. 
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