They do offer individual plans, but they are SM

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    • They do offer individual plans, but they are SM - Good luck.

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We have an unlimited longdistace plan with AT&T for only $35 monthly I know there are a few other companies that also offer these type of plans. I would definitlly check into them if I had to pay longdistance charges.

When I worked in-house one of my coworkers was a lady with 15+ years experience, and had attended a transcription school prior to that.  She had a sad tale to tell - she once decided to leave the hospital and work at home.  The ESL dictations did her in, within a couple months she came crawling back to the hospital (and lost all her vesting and retirement over it, busted back down to a newbie there).  The doctors at that hospital were mostly ridiculously easy, and that's all she could handle.

On the other hand, I never attended a transcription school, but learned on the job.  After 3 years inhouse, I started working from home.  I refused to let the ESL win, and gritted my teeth and kept trying.  Now I can do ESL because I refused to be intimidated by it.  I think its all in your mindset, how determined you are to learn and how determined you are to stretch your comfort zone.  It has nothing to do with schooling OR experience in some cases.

I would get an attorney immediately who can tell you what to expect and what your rights are.  It should be a nominal consultation fee and you should take with you a summary of your payment history and all the papers you signed at closing.

I had an FHA-backed loan with first-time bond money and my mortgage was sold from my original lender (Union Planters Bank) to a mortgage company.  FHA bought me more time and lessened the financial loss for me greatly (they have stake in that - they WANT you to stay in your home) and were of great help.

I also at one point was in such emotional turmoil that I went to a local realtor, sat in his office in tears and told him I did not know what to expect.  He spent 45 minutes with me and I learned more from him about what I would actually see happen than from anyone else I had talked to. 

I was served my intent to foreclose from the mortgage company and it took about 6 months to actually get through it.  I was served the papers announcing the foreclosure auction at the Courthouse on MMDDYYYY date.  I went to the courthouse and there was a man standing (literally) in the parking lot and no one else around -- all were inside doing normal business.  I walked up to him and asked if he was from BLAH mortgage company.  He asked me if I had a gun (hahaha) and I was SHOCKED.  Of course, I said no and looked at the courthouse - thinking some crime was happening and pulled my cell phone out to call 9-1-1 (the police station is ACROSS THE STREET...lol).  He said most of the time the owners show up with guns and he's even been shot at doing this. LOL

I told him that I had dealt with the loss months ago; they were taking my house - not my children, my job, my life...just my house...and that since I just could not afford to keep it up and repair it, etc., that I would be relieved and better for it in the long run.  We talked and he told me that since no one showed to bid, that the mortgage company now officially owned it.  I asked him how long I had to get out; he said that I would receive a notice in the mail but to be out by that date as they would literally come in and change the locks and secure it.  I told him I would be out before that date and he said to lock it up but leave the keys on the kitchen counter and call the attorney (for the mortgage company).  I did just that; I also immediately contacted the company I had my insurance with and told them (got a lovely refund from them for about $360 which helped me move -- also sold virtually everything I had to get out and start over).  This was all last year in January 2004.  This year I received a paper to file with my taxes where the difference in what I owed and what the buyer (the mortgage co put it up for sale and it eventually sold) paid was forgiven so I did not owe anymore on it. 

I have forgiven myself and we now live in a nice clean apartment that is 300 sq ft bigger than my little bitty house.  I have an apt mgr to call if something breaks and I don't have to fix it myself; no more lawn work, etc.  For me, it was the best thing that happened.

It will be off my credit history the same as a bankruptcy in a few years.  I am happier.  I learned a lot.  Good luck to you.  Write me if I can help you deal with the emotion of it at all. 

It's so hot, I may just work instead. 

I am going to be purchasing my own health insurance policy for myself and my son in the next couple of weeks.  I have gotten a quote from BCBS already, but was wondering if there are any other health insurance companies out there that offer good benefits at a decent monthly premium.  Just looking for some suggestions.

TIA!!

were the same plans that were specified by the Department of Homeland Security when they did a simulation of this disaster in the 4 years prior?  When FEMA was absorbed by the DHS, they did simulations of events like hurricanes, earthquakes, etc.  In their simulation called Hurricane Pam, which was only simulated as a category 3, they said that the only place available as a shelter in this type of storm was the Superdome.  They studied this for years.  The mayor followed their recommendations.

As far as buses being available, the mayor made the public transportation system available for free but that was only inside the city of N.O.  He can't make private sector transportation services provide free transportation OUT of the city and then, again, he could have used the public transportation and the school bus system to transport them out of the city, but to where?  These people had no money - where were they going to go?  The only option the mayor had was to use the recommendations of the DHS and house them in the Superdome.  What other city was available in Louisiana that would have housed hundreds of thousands of people in shelters designed to withstand a category 4 (possibly 5) storm?  There was none. 

There was an article published yesterday in which many administration officials described how FEMA would work since it was absorbed into the Department of Homeland Security and what the responsibilities would be if the president declared any disaster an incident of national significance.  It was an excellent article and very eye-opening.   FEMA isn't the FEMA we knew from years ago that could act independently and at a quicker pace.

Can anyone suggest a long distance carrier that provides unlimited long distance at a reasonable rate for transcription purposes?  I have been told that I have to have a business plan because it is against government regulations to use your home phone line to surf the internet, etc.  I have to dial into a long distance number to get my work through a Lanier.  I have statellite internet so I do not think I can have Vonage or anything like that where it goes through your PC.  I currently pay over $100 a month with taxes and surcharges to have unlimited long distance on one phone line.  Is there anything better out there? 

Although these doctors pay pretty well they are a pain in the neck.  I am about ready to give this up altogether.

I have tried other services and they only pay about half of what these guys do.  What next?  See items on E-Bay?

I just had to post this as it reminds me so much of a lady who posted about her family, saying that they were ungrateful.

I was going to take the Amtrak train to visit my family on Thanksgiving, it's only about an hour on the Amtrak, and about $80.00 for the ticket!  My stepmother says to me that it would be way to much trouble for them to drive the 15 minutes to the station to pick me up, they are having company that day.  My father would spend his whole Thanksgiving day going back and forth to the train station.  But I was welcome to come the day before Thanksgiving and stay until the day after Thanksgiving, that way they could drop me off at the train station when they didn't have company.  Company meaning her children, who have always come first.  So I am supposed to go to their house at an alloted time?  I'll be darned if I'm going to do that.

Now I'll be darned if I am going to pay $80.00 for a train ticket to spend a day with a family with this attitude.  I told them I won't be coming, I haven't had the time to spend 3 days there and have to work, and they said it would be too much trouble to pick me up at the train station on Thanksgiving.  Am I right or wrong in not going on Thanksgiving?  Any opinions?

for where it will live after you pass.  I thought about getting a parrot, but I decided that it was too much of a responsibility considering how long they live and how much attention they need.  If they don't get attention, they WILL have a tantrum like a 2 year old, so make absolutely sure this is what you really want.  Also, parrots are LOUD, really LOUD.

I ended up getting female zebra finches and love them dearly.  They are not loud and because I have a cage with the seed catch, they aren't too messy.  Note: Boy zebra finches are loud, so avoid them if you can't handle the noise.  Girls warble, boys squawk.

They do make it easy for you -- meals and snacks all ready, but when I did it 10 years ago, it averaged $80-100 per week, PLUS you still have to buy your milk and fresh fruits and veggies.  Still, it was a good plan for me.  I walked every day too, and managed to lose 50 pounds.  One of the things they taught me is true, though:  Your decision to quit exercising is your decision to gain back the weight.  Sure enough ... gradually, the exercise dwindled ... the eating habits slipped .. and the weight started creeping back. 

The other poster who mentioned Healthy Choice and Lean Cuisine dinners is right -- you can supplement with them for a lot less $$. 

Good luck with whatever you choose! 

I am starting a part-time job in addition to my full-time job, and they both have 401k plans with matching, so if I could have both, I could get a little extra on both sides.  Somehow, though, I am thinking that probably is not allowed. 

Thanks for your input.

either offer 1-800 numbers or internet transcription if they want to keep hiring us all over the US....that's it!!  Maybe we could all share the cost of a 1-800 number or something, and for goodness sake, with all the technology out there, everything needs to go to digital dictation anyway.  Bottom line is MT is NOT allowed for ULD.  I even asked about some sort of special ULD transcription package through SBC & ATT and they wouldn't even consider it.  So, MTSOs, please listen up...the ULD is going to be a thing of the past real soon.  It's a wonderful option to you and it broadens the MT's working capabilities, but without ULD, nobody can rake out that kind of money!  We should all put our heads together (MTSOs and MTs) and try to get something going here.  We can no longer overlook this situation. 

Good luck everyone...I will be holding my breath for us all!