One of those radio financial guys said debit cards are the MOST dangerous to use.
Posted By: Access to your checking account, etc. nm on 2005-10-18
In Reply to: Debit card. They've got the credit card logo on them, so they - ex-banker
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debit cards
 do they automatically take the money out of your account the second you use it. I looked at my account online and it is very low. DH has been using the DC and it has not shown any of the transactions dh made this weekend. Just wandering if it had already took those out but hasn't shown it yet on-line or are we going to be bumbarded tomorrow. If dh don't get his paycheck in Wed and quick me may be in trouble
I use debit cards and keep the receipts on the
desk until the item has cleared the bank. I check the accounts online EVERY morning and balance each while I am waiting for DQS to load. Once a check or debit clears I toss it.
This way mistakes (mine or others') can be caught before they become disasters, any by knowing exactly what the balance is I know what I can afford to spend that day.
Debit cards with logos on them
Where do you get debit cards from with the Visa or Master Card logo on them? My bank only gives out a Star Debit Card without any logos on it.
Washington Mutual offers Visa debit cards with
nm
The Red Cross just HANDED OUT $5 million worth of debit cards in Texas.
FEMA decided to mail them in 14 days if the people knew where they were going to be...couldn't possibly get them out faster...too much work...etc.
not a bit homophobic. love queer guys for straight guys.
these guys are clever and witty and have good taste. they are who they are. not a problem. i have problems with boy-men who are currently trendy now. that's my taste. and it's kind of scary that women are attracted to these unisex boy-men culturally. no big deal unless you make it one. this is a board to exchange ideas right?
2,000 debit card
When your boss gives you your paycheck, do they ask what are you going to do with that money? Didnt think so. Same thing for the people of the gulf coast. They lost their jobs, their homes. The money they will be given will be in lieu of a paycheck till they can find another job and home. Its a paycheck from the govt.
Debit card use
I know the credit card companies charge the place of business a fee or percentage when you use your credit card but does anyone know if it costs them every time you use a debit card, does the business pay a fee? Our apartment complex just offered the option of automatic checking account deduction because they said it costs them less than credit/debit.
debit card
Usually my purchases show up right away, unless its a holiday weekend and I use the debit card like a credit card instead; then its usually the next business day before those purchases show up. However, if I use it like a regular debit card, holiday or not the purchases show right away.
Just got a debit card this week, trying to
get away from credit cards and be more responsible with $$ and out of debt. There was a pamphlet in with the card that gave a list of when to use credit and when to use debit and pretty much 99% of the time they suggested using credit. The biggest pro to using credit is that if there is a dispute over a purchase you can get the charged credited, at least temporarily, but not with a debit - at least that is what the pamphlet led me to believe. Not a usual occurrence, though nice to have that protection.
if you use your debit card for gas purchase (SM)
make sure you realize that some companies (Shell is really really bad to do this) will reserve extra funds on your debit card until the transaction completes and releases those funds 24-72 hours later. With Shell, it is $75 over your purchase. I nearly fainted when I realized what was happening. You can go on MSN Money and find a few articles on this -- gas companies reserving funds on your debit card.
Paypal debit card
We have a Paypal debit card that we can use just like any other check card/debit card. It just draws from the funds from your Paypal account. You can use it at the store, etc., and at the ATM. Even paying an ATM fee to get out cash would be less than the $10 charge to transfer. You might check on it.
What news channel? I have to use my debit as a credit at stores and such. NM
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First, a prepaired debit card is not attached to your bank at all. SM
It is a separate account set up for use with your prepaid debit card only. No checks. No bank. And with the prepaid card, they cannot withdraw money without your prior authorization. Your employer can only deposit money if your employer provides a signed DD form with your signature on it.
I've never had any problems with my card. I feel pretty secure. I do pay bills with my card, but rather than authorize a recurring monthly charge (which you can do), I opt to manually get on the money card website and pay each bill, each month. So consider this. Once you authorize a recurring bill payment, it sometimes takes an act of God to stop it.
See if there is financial aid available,
including work-study and/or grants. If you're developing an injury, please make a change before you become disabled. I worked as a historian in a hand surgery office, and sometimes you have to just stop. Good luck to you.
If you qualify for financial aid
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.
I am having a bad financial hardship
any kind of help, but not enough to seem to get by on. Oprah has a debt diet and I am going to try it. Also I recently joined Debtors Anonymous, for anybody with money problems. I hope it helps, it seems to have so far. Good luck to both of us.
Does it serve your financial needs?
The main criteria for any job wage would be whether you think it is a fair trade for your skills and will it provide what you need it to financially.
I personally would not work for $15 an hour. However, your needs may be different from mine. I also have other options. You may not.
It is a very subjective question and one that only you can really answer.
Any financial wizards
out there. Hi guys I am wondering if I could get some suggestions on my 401K. I am really dumb about numbers. Give me big medical words and I am fine, but not numbers. Anyway, we just switched to another financial management for our 401K. I cannot remember what managed portfolio I had picked years ago. Would you, in this day age with the way the stock market is, go with an ultraconservative 100%, conservative 20(stocks)/80(fixed), balanced 40(stocks)/60(fixed), balanced 60(stocks)/40(fixed), aggressive 80(stocks)/20(fixed), or ultra aggressive 100% stocks. Can anyone help me out here? TIA
This is exactly why my financial advisor said
:)
To any financial wizards out there. SM
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.
Financial Assistance???
I am currently a full-time-college-student-but-otherwise-SAHM. Pretty soon we'll be needing more money, but I have neither time nor resources (day care around here is INSANELY expensive) to work outside the home. I've been doing the reasearch and have come to the conclusion that MT is a good job option for me.
The problem is the training is sooo expensive! I mean,if we didn't need the money I wouldn't be looking for the training to begin with--so obviously I don't have $1600-4000 up front for the training. And most of the payment plans I see aren't looking much better--like $1000 up front, $350 every month after that. Right now that's just not feasable.
Are there any MT schools that offer reasonable financial assistance? Or, I'd even be cool with a payment deferment plan or something!
Anybody know of a school that's willing to help the financially strapped?
I always use my debit card (with visa symbol) for online purchases, never a problem. nm
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Do you ever feel the financial crunch?
My house payment and insurance are auto debited from my checking account. However, work has been so slow and my paychecks have been so puny that I need to get more money in there to cover those. I've called everyone on the planet that owes me money, but nobody's coughing it up. I'm the one that posted the other day about the medical company and the IRS owing me money from way back. I wouldn't have a problem at all if they would just pay me. I've tried picking up extra work and looking for a new job, but there's nothing anyone can do that would pay today. I don't want to take my rings to the pawn shop because I don' t think I'd get a whole lot out of them anyways. Interest on those check cashing loans is terrible, then you get sucked into that cycle of borrowing from them repeatedly. I've already cut my household expenses back as much as possible. I'm just so stressed about it all. Has anyone else ever been in this situation? What do you do? I can't stand being broke.
More important to me is keeping my financial
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 know it's not the best financial decision, but (see message)
I have no money problems and can afford to have payments each month.
I lease strictly out of convenience. I don't like to own a car for more than a few years. I don't want to deal with the hassle of selling a car once I no longer want it or deal with repairs. I want a car that's always under warranty and that I can give back easily when I'm done with it.
If I were not financially stable, I would definitely purchase a reliable used car, but where I am in life right now, I just don't need to. Leasing is a convenience for me, and it's one that I'm willing and able to pay for.
Do not lease. Big financial mistake for you. (nt)
Depends on mom's financial situation maybe....sm
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!
late pay and financial situation
No one is responsible for my financial situation however my check is not a payroll check -I am a professional subcontractor and once a contract is signed or a client (MTSO or other) tells me or I tell them when I will be paid they are legally responsible to do so within a reasonable amount of time for mail delivery.
If I told my electric company - sorry but can't pay now, hold off until I can - my electric would be shut off - with fees added on. Why is it that transcriptionists feel they are less important to a client than anyone other professional?
Charge them fees and pursue it - as a subCONTRACTOR you are entitled.
As for D&L - I cannot note the new name - but I can say that more initials but same people. I choose to be quiet about the new name so that others who maintain some sort of employment there do not lose whatever small thing they have. Eventually this will change and you will see it prominently displayed I am sure. At the moment they are not advertising at all, so I feel comfortable in my decision to remain quiet on the name.
The financial gurus always say when starting a new
business/career you should have enough money in the bank to cover 6 months of expenses.
Dangerous as far as what? NM
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Not sure. I just know enough to be dangerous.
x
Is it dangerous to buy used?
Used may be cheaper . . . but is it safe? I hadn't really thought of getting used because I'd hate to get a "problem" computer. However, if it were just as good as new . . . maybe . . .
this applies to MT, right? (link for financial assistance)
link: http://www.doleta.gov/programs/factsht/taa.cfm
something has to be done to help people losing jobs to foreigners...
it says you need 3 or more workers to apply...
also, it aint going away, ladies:
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)
At recent financial aid seminar, I was told...
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.
google greendot financial and read
x
Most financial advisors say when you receive a windfall...
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!!!!!! 
Prayers and well wishes are just as important as financial help...
sorry you don't see it that way...
dangerous abbreviations
It really depends on the account. Some facilities/doctors really don't care for the new set of guidelines and want their work verbatim precisely. But employers want it practiced just in case for some of the more confusing abbreviations.
dangerous abbrevs
Pharmacies make plenty of mistakes on prescriptions and I have never heard of one being shut down. They aren't any better or more careful at their job than anyone else in health care these days - which is to say, the consumer/patient needs to be on their toes at all times because you simply cannot trust anyone to do their job properly.
Yes, sloppy writing is responsible for some of these mistakes, which is one of the reasons why many elements of the AMA, the pharmacist associations, and the pharmaceutical industry are pushing for all drugs to have an individual number assigned, so that medication errors can be eliminated or at least greatly reduced. Thousands of people are injured, make sick or even die from prescription errors every year.
I have been doing MT since the 1970s and I have seen huge changes in health care. Most obvious change is that it has become a BUSINESS rather than a human service. Most if not all involved in health care delivery care foremost about the bottom line and their own "bottoms." Like one of the posters below, I too have noted how long the disclaimers are at the bottom of the H&P and Consults, particularly by the surgeons and interventionalists.
When I started MT, almost no report was more than 1 page long. Now, I sometimes transcribe reports where the "disclaimer" section with risks, benefits, alternatives, possible outcomes explanation is half a page long. This information is already contained in the consent forms that are signed by the patient, so it is redundant to include it on the dictated report, but more and more MDs are doing it. I have also noticed, or perhaps it is just my perception, that all dictators are including more information about patient attitude, knowledge and compliance regarding their (the patient's) regarding their medical condition. Personally, I think that is a good thing - people need to take more responsibility for themselves and stop expecting the doctor to solve all their problems.
Dangerous Abbv. below
I want to know how come a hospital says they are compliant with the list and AAMT guidelines but tell you transcribe ver batim even if incorrect? Can't have it both ways seems to me. I got caught by QA between a rock and a hard place about this but stood my ground. I did ver batim because that was the hospital's wish even though I knew it was wrong dictation. At least I flagged it for QA but it caused a problem. No one seems to have the answer. Next time, I'm not flagging it.
Not just lazy...DANGEROUS
This is how patient care errors are made. I know they hate dictating, but it is very disrespectful to their patients when the doctors won't even attempt to dictate clearly so that their patient's lives are not in jeopardy. They should be chastized by their hospitals and not allowed to dictate like that!
Dangerous Abbreviations
Q.D., QD, q.d., qd (daily) = Mistaken for each other = Write "daily".
I woud say this should over ride anything BOS has to say, but we aim to please the client. As transcriptionists though we should be aware of these dangerous abbreviations since it can affect a patient's medical record and how it is interpreted.
cc is not correct, mL is. cc is a dangerous
x
PO is not a dangerous abbreviation (see msg)
Go to this website:
http://www.ismp.org/tools/errorproneabbreviations.pdf
IV is not a dangerous abbreviation.
For Pitocin it is WAS given.
Dangerous Abbreviations
"IV" isn't on the Joint Commission list of dangerous abbreviations. Don't take this as an indication that you're getting old--the confusion surrounding those darned abbreviations can be aggravating.
Here are some reasons for the aggravation. You might have seen it on a facility's list in the past or you might have encountered it as a recommendation from a consultant or in a journal article. Before The Joint Commission solidified its list of dangerous abbreviations, there was a lot of confusion about this--some groups banned any and all abbreviations.
There is an abbreviation that is banned because it can be CONFUSED WITH "IV." It's "IU," the abbreviation for "international unit." While it's OK to use IV, some facilities do not want you to use it, reasoning that if IU can be confused with IV, then IV can be confused with IU. And then some would want you to avoid using IV, until they discover that they have to pay extra for you to transcribe "intravenously."
Here is a link to the whole list. The document on The Joint Commission website was broken, so this link is to another website, but it is the same thing. http://www.aapmr.org/hpl/pracguide/jcahosymbols.htm
q is a dangerous abbreviation.
x
If you suspect something dangerous, then
for heaven's sake go and visit a doctor.
Why do you suspect a pulmonary embolism? I dounbt tht you wiklk be able to cough it up. Are you producing some blood when coughing?
It might just be some mucus or phlegm that you cannot lodged in you lungs.
Does your cough produce blood?
Here are the symptoms tht indicate a pulmonary embolism
(blood clot in the lungs):
Google:
'Pulmonary embolism symptoms can vary greatly, depending on how much of your lung is involved, the size of the clot and your overall health — especially the presence or absence of underlying lung disease or heart disease.
Common signs and symptoms include:
Sudden shortness of breath, either when you're active or at rest.
Chest pain that often mimics a heart attack. The pain can occur anywhere in your chest and may radiate to your shoulder, arm, neck or jaw. It may be sharp and stabbing or aching and dull and may become worse when you breathe deeply (pleurisy), cough, eat, bend or stoop. The pain will get worse with exertion but won't go away when you rest.
A cough that produces bloody or blood-streaked sputum.
Rapid heartbeat (tachycardia).
Other signs and symptoms that can occur with pulmonary embolism include:
Wheezing
Leg swelling
Clammy or bluish-colored skin
Excessive sweating
Anxiety
Weak pulse
Lightheadedness or fainting (syncope)
Fever'
If you do not have these symptoms, take an aspirin, drink hot tea with lemon juice and honey, you might just have a cold.
Here's their revenue for the past three years and other financial data.
MQ's debts are not high either.
http://news.biohealthmatics.com/PressReleases/2005/08/19/000000002719.aspx
leasing is same as renting a house, never the best financial choice...sm
bottom line is somebody is making money off of you leasing. If they didn't make money off of you, they wouldn't lease. Same thing with renting. Renters always cover the mortgage and repairs on a home while the owner reaps the benefit of building equity. Now cars are a little different as they definitely depreciate while homes do not (usually!) but as I said, if they weren't making money doing it, they wouldn't do it. You can easily find a traded-in used vehicle with 50,000 or less at a dealership. Get one of the yearly reports from Consumer Reports and you can find which cars are the most reliable (for example, Buick LeSabres - those things run 4ever). Best financial move is to buy it from a private party with cash. I mean showing up with the whole offer in $100 bills. Few people can pass that up. If you can't get the money together to buy a car outright, you will for sure never get ahead driving someone else's car and paying them for the privilege of it. And you are just kidding yourself if you're driving around in a "new car" that you can't even afford to buy.
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