Oh, not this discussion again. I haven't had a credit card

• Looking for best credit card, visa,mastercard or amercian express - Leo
  • ITA with home equity loan if possible. sm - me
  • i use GM mastercard w/rebates on new cars. - sm
  • No credit card is a good credit card. - Piper
    • It would be nice to not have them, but in the 21st century you - really need at least one, and use responsibly. nm
      • Oh, not this discussion again. I haven't had a credit card - Debit card.
        • Just got a debit card this week, trying to - me
          • if you use your debit card for gas purchase (SM) - learned the hard way
            • Thanks. Primary use will be for gas, though we don't - me
        • How do you rent a car without credit card? - Justme
          • Debit card. They've got the credit card logo on them, so they - ex-banker
            • One of those radio financial guys said debit cards are the MOST dangerous to use. - Access to your checking account, etc. nm
              • well darn. I thought I was being wise - me
              • Dangerous as far as what? NM - None
                • Probably because someone can empty out your checking account before - you know what hit you. nm
        • absolutely true, provided - Snow Bunny

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get a printout of your payment and if they don't offer it, ask for it.   Be sure to check right away that they are showing you paid and if you have a receipt your payment was put in the system, which should eliminate this issue in the future. 

Billing an insurance company will give the insurance company a good laugh and will probably create further problems. 

Wondering if those of us on this board have noticed that credit card companies will be increasing their interest rates along with the minimum payment due soon.  How will this affect some people who can barely make the minimum payments now.  Any insight greatly appreciated. 

over the internet?  I hesitate to give out social security number and personal things on the net.  Is it okay or not?  Thanks

I also had problems with travelocity, which ultimately was routed back to hotels.com, where I booked it for one date, they reserved it for a different date, and I ended up having to pay for both dates, PLUS a HUGE fee.  I challenged them on it, but nothing ended up happening, other than me biting my tongue and paying it.

HOWEVER, since you were told that they would credit the amount, you need to talk to Hotels.com first.  Make a concentrated effort to speak to supervisor after supervisor until they give you an apology and credit it.  ALSO (and, if they refuse to give you the remaining credit), call your credit card company and explain the situation.  They can do a few different things here.  They can, and probably will remove the over-the-limit fee for you, if you explain the situation, as long as you don't have a long over-the-limit history.  Don't let them tell you that they can't remove it, just keep going up the chain of command until someone does.  All CSRs in that situation are able to remove the charge, and if they don't, ask for their manager (they will just put you through to a phone queue where the people have higher capacity to remove stuff like that).  The second thing that they can, and will do, is, if hotels.com won't do it, you can dispute the charge, explain what happened, and it will be removed while they research it.  Most of the time, they remove it and you never hear about it again, other than to tell you that it's been taken care of.  If they decide it was a valid charge, which they won't, they will add it back to your credit card balance after getting hotels.com to prove that they provided the necessary service.

Make sure you contact your credit card company, even if hotels.com refunds your money, at least to get the over-the-limit fee waived.  I would still dispute the charge, and that way, it is covered if they say they are going to refund it and don't.  If you dispute it, and they end up refunding your money, just alert the credit card company, and it will be a wash.  Good luck!

need to consolidate some bills, 

If I change computers how do I get that back into the new computer as I dont have a disc or anything I just do it over the internet. I have the original disc that I purchase 2 years ago but have since upgraded over the internet as I said.

RE:  Symantec (Antivirus) customers credit card information being sold.

http://www.theregister.co.uk/2009/03/20/call_centre_credit_card_fraud/

I am having problems with my sound on one of my computers.  Several different ExText program have been on it so I don't think it is the program and the sound is just now as clear as on my other computer.  Has anyone switched (disconnected the internal sound care and replaced) to a new sound card?  Did it make a difference. 

Everyone on this board is so knowledgeable, I really appreciate you.  You have helped me many times. 

not because I am egocentric and feel I need to be at the top, but because I just don't want to have to scroll down and look for it every time I have something to add.  So, it's not arrogance, it's convenience.  Also I would just like to add that I posted my "credentials" so to speak because I was asked to defend my position with what made me qualified to talk about poor MTs.

Anyway, I don't know if I could be classified as an old-timer as I've not had to transcribe on manual typewriters from belts, but I did start out in transcription in the late 80s, right before the internet boom.  So I did start out in an office with other MTs who could lend me an ear and give me advice, but most of them were old-timers who felt lost when the internet did hit and changed our profession forever.  So all of my computer skills, internet skills, and researching skills are self-taught out of necessity.  Because I took the time and made the effort to hone my internet and research skills, I moved up the transcription food chain and moved passed a lot of the old-timers who trained me.  I guess I just have no patience for "old-timers" who wear their years of experience like a badge of honor, but then use those same years as an excuse for not using the internet efficiently.

I am more than willing to educate or mentor an MT, whatever it takes, but the MT has to want and accept constructive criticism gracefully instead huffing and puffing about how mean and evil QA is.  Most of the time MTs ignore their feedback and make the same mistake again and again.  I can quote chapter and verse out of the BOS to an MT trying to illustrate why they are wrong and it will not matter.  They see "QA" on an email in their inbox and automatically hit delete without a passing glance.

I am not the enemy in this war called transcription.  MTs and QA should be allies against offshoring and we should be trying to elevate our status in health information chain, but we can't be allies and we can't accomplish anything if MTs are constantly paranoid that QA is "out to get them."  The sad truth is that eventually we QA people are going to have no other options except unemployment or educating the Indian MTs and ironically the Indian MTs will welcome any feedback that will help them get more work from American MTs.

To all those who posted that I have a big head and have launched personal attacks, I would say you the ones who are arrogant and big headed if you can't just accept that you are wrong sometimes and you can always learn something new and maybe you can learn that something new from me, the QA person who has proven her skills, passed a harder employment test, to get the QA job I have today.

You can call me names and insult me, but the truth hurts and obviously those who are defensive have reason to be.

wildlife cam and people didn't want others posting about it - is the same thing as saying "I demand you entertain me by posting what *I* want to hear about."

What are everybody's thoughts on the show tonight regarding House and Stacy.  Do you think he told her no because:

A:  He feels he is not good enough for her.

B:  He does not want to hurt Mark after Mark came to see him.

C:  He feeds off his misery and can't give that up. 

What a great show, great lines tonight.

that is going to VR and dropping the rate from 10cpl to 3cpl MDI-MD?  I am dying to know what they are going to be paying for VR.  If they are dropping the rate that much, with their stellar reputation for caring about their transcriptionists, perhaps all hope is lost. 

Can somebody please spill the beans!

Everyone is playing the blame game.  It doesn't matter who did what or did not do now.  What matters now is to go on with life and reach in our hearts (Although some of you do not seem to have one) and give to the less fortunate.  This disaster will not only effect those in the coastal areas.  This will effect the whole United States and the world in some form or another.  Louisiana had a population estimated at 4 million.  More than a 1/4 of that population is without homes.  Can you imagine the indignity they indure living in shelters?  As a Louisiana resident, I would like to point out that the victims in the media are not the only victims.  They are the poorest of poor.  They do have many families and individuals that are displaced, living with relative, hotel rooms, no jobs.  Other states have taken in many of the victims but there are small rural communities and cities all over Louisiana itself that have taken in these people.  In the small high school in my community, enrollment went up by 200 students almost doubling the student body.  The small Catholic school my son attends took in over 40 students. Grocery stores running out of food because the extra people and trucks being delayed.  The list of changes and difficulties go on. 

Like 9/11, this disaster will forever change America.  Not all of the changes will be bad although it seems that way now.  This is the time people should stick together and focus on the good things that are happening, not the few people that take advantage of the situation or the people who have no souls and think of themselves.  Take an active roll in helping these people, you are not only helping them, you are also helping yourself and the whole country.  I have visited the shelters and I have close friends who have actually gone to help with the rescue.  Again, this did not just happen to the gulf coast. 

I will continue to say an extra prayer for all victims, and especially those of you who seem not to have a heart or soul where others are concerned.

"Oh, you should get a job at the school district.  They need cafeteria workers and it would work great with your kids' schedules."

I don't think so!  They pay $7 an hour to feed and clean up after other peoples' munchkins!  If I *ever* decided to work outside the home again, it'd be something that uses my education and pays way more.  Hubby butted in and said that I make at least three times what they do in a year by working at home.  That started the, "Oh, really?  I've always thought about doing that.  Where do you work?"

Just for some other information.  When Hurricane Rita hit in Texas, i.e. Jasper, Beaumont area, these people were not prepared.  They were not prepared because hurricanes do not come in that far inland.  The Jasper area is one of the areas where most hurricane victims evacuate too.  There are people in that area that are still without power including elderly people and children.  Most of the surrounding areas (Pineland, Rosevine, Hemphill) are retirement areas.  These are also low income areas as well.  These people definitely would not have expected the hurricane to effect them in the way that it did, but it did.

Also, people in Lufkin and Nacogdoches, Texas were effected from it as well.  Again, a hurricane never has come close to these areas and these areas are also where evacuees come.  During the time we had evacuees from Galveston, Beaumont, Houston, and still the ones we had from Louisiana drained the resources that we did have here (not saying anything negative by this – just a statement).  None of the businesses could get trucks in to deliver gas, food, ice, water, etc.  When we did get gas delivered, the lines were so long that people were waiting 9-10 hours to get gas and of course by the time most got up there, it was gone again.  This went on for several days.  Even the Wal-Mart here and in Nacogdoches was only able to be open a few hours a day and for the first few days after the hurricane because of the amount of extra people in these areas, they finally had to limit the number of people they were allowing in the store at a time.

Some of you say, people should be prepared.  I do agree and especially more so if you live in a coastal area.  However, these people affected in the areas I mentioned above do not live on the coast; however, were heavily impacted by this natural disaster.  You are saying these people don't deserver help?!  Well let me tell you this.  When we had a lot of LA evacuees here, FEMA stepped in and for a lot (not all of course) they received $2000.00 for help with housing, another $600.00 for food, and there $400.00 for something else (honestly do not remember what it was).

However, my mother and father-in-law who are elderly went 14 days without power, lost everything in the freezer and refrigerator, and they are also raising 2 of their grandchildren (both young teenagers).  They were unable to get FEMA to help with anything. 

I guess the point is this.  Before spouting off about who needs to do what or who the government does or does not need to help (or where you tax monies go), you might want to think about the fact that this was a natural disaster and therefore, no one can ever really be prepared for one.  I hope none of you ever have to deal with anything like this.  It is not a pretty site in this area right now.  Clean up is still going on.  There are still trees down on houses and cars.  How would you feel if this were you? 

By the way, yes I do feel that my family was very lucky to come through it unscathed; however, some were not so lucky.

Just my 2 cents.

/

 and other distracting Internet surfing, neglected art projects on the desk behind me, sunny outside, new powder on ski hill, new German Shepherd pup....