When I found out about retirement money
Posted By: Lori on 2008-02-23
In Reply to: I understand- she could make more but - Lori
they were so KIND to tell me I could start drawing out my money 2 months ahead of my full retirement in January- ha- they tried to make it sound nice- you would get 2 checks for January- having said that I just thought to myself- no I will just wait until FULL because 2 months ahead of time reduces then my total monthly income for as long as I might draw- thanks but no thanks- I want my full retirement money, don’t want 1 single dime to have to be paid back.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
Money, money, money, mmonnneyyy. Singing the Apprentice song.
:+
My retirement
I worked for a large multi hospital alliance in Ohio that is now under scrutiny by the attorney general and has many hospitals pulling out of their contracts and at a cost to patients and physicans....everything about it was to cut money and cheat people. Our pension which was noncontributory by us, works like Social Security. You retire early, you get reduced amount. I was forced to retire early because of the war and now I need more money. I was told when I took the reduced amount that I could not work again till I was 66 unless I kept it under $900, just like Social Security. I do not know what an independent contractor is. I didn't think I would NEED to know...I just am trying to find out how it is done, how it works, because the jobs I see that I want wnat ICs. I'm sorry I even asked. Since so many jobs say IC only, I assumed that some of you would know what an IC is and how to be one. I need to work at home because the other grandma has no computer. I was just trying to find 15-20 hours a week. Let's just drop it. I don't see what I did wrong. Thanks to those who understand I am not trying to break the law. Good grief.
they get half pay for retirement too!
Bus drivers are making $63,0000 and that is with no education. you can be a hs dropout or a foreigner. I hate NY and glad I left.
Retirement Accounts
I am considering getting into a retirement account this year. I am a sole proprietor with no employees to contribute to. I am also looking to reduce my tax obligations for next year with this account. I am also over age 50, so this may be a consideration. Any suggestions from knowlegeable MT/business owners out there? Some of this stuff is very confusing. so any help would be appreciated. Also include who to go through for set up, if known.
thanks 
I'm going to be 58 in a few months, don't see retirement in my
:(
Yes. I cant take early retirement because I
x
Who wants to take early retirement if not
x
Why did you take early retirement
if you knew it wouldn't be enough? I don't mean to be rude, but it seems to me you want to have your cake and eat it too. I don't think it's right you want to cheat the gov't by putting everything in your husband's name. I suggest you ask your clergyman what he thinks of your proposal.
I have been married to the same man for the last 13 years. We had 3 children together after we got married. My husband and I each had to pay for our own college educations. We have worked for everything we have and have done it the honest way. I would have loved to have had a child first and then went to school for free while my husband was living with me and supporting us but had a different mailbox so I could still collect welfare. Then after school, I would have popped out 2 more and continued to receive welfare while I was looking for a job (but secretly planning our wedding) and then got married while the gov't picked up the tab, so I could sit back now and enjoy my beautiful house that I was able to afford while I was ripping off everyone else.
It really burns me when someone tries to get ahead in life by taking from others. I'm sorry that I don't share in your plight, but what you are doing is illegal. It is fraud, and if you chose to go that route, I hope someone finds out and reports you. Maybe the gov't wouldn't screw us so much, if so many didn't screw it first. Shame on you! 
They want a retirement that they don't even contribute to, they already retire at 55.
x
I think decent retirement is possible from an in-house job
s
you sound more than ready for retirement!
x
Why take early retirement if you cant afford it?
x
When you took early retirement, did you not find out
how much you could earn and other questions about retirement? If you did not, very foolish on your part. I have another year to go to have FULL retirement age- that for me is 66. I could retire now but knew AHEAD of time if I did, then for every 3$ I make, the government takes a part of that. I did not want to pay in any more than I have already. I went to social security last month, found out how much I will get at full retirement, etc. etc. If I live and take retirement money out (I plan to continue working) I will be getting almost $2,000 a month. With my salary, the full retirement money and some retirment money I get from a company I used to work for, that will be a very good sum for me. Having said that, there is no way in hades that I would ever try to pull the wool over Uncle Sam's eyes- talk about trouble- what you propose seems to be underhanded- whether it is or not I would not want to be any part of that scheme. I think where you live has a lot to do with whether you have to get tax ID number or not. Better to be on the up and up than spending some time behind bars.
Why take early retirement before you find out
x
Government retirement program has changed.
It is now the same as Medicare, with a 401K added.
Question for you Statutory Employees about retirement?
Any of you who work as an SE, have you ever looked in to an SEP IRA or an individual 401K for funding a retirement plan? I was just wondering if this is allowed, since the income is considered self employment income, but I have searched on the Internet and can't find anything to tell how the laws specifically apply to SE's. I know if I was an IC there would be no question. I already have a Roth IRA but the limit for that or a regular IRA is $4000 a year and that is not enough IMO for retirement, would love to be able to save some of my SE income tax-deferred. I'm going to ask my accountant about it but figured out of courtesy I would wait til after the tax filing season winds down. Just curious if any of you could help out in the meantime?? TIA.
What kind of retirement tells you how much you can earn?
I will start drawing from a pension plan this April - I have absolutely nothing saying I can or cannot make X amount of dollars a month. How did you get a retirement that tells you what you can make? This sounds strange to me.
I had exactly the same benefits, pay, and retirement plan when I was single as I do now, married. sm
So, your post doesn't make sense. Benefits aren't withheld from singles and offered only to marrieds.
my full retirement age is 67 according to my estimated benefits paper - nm
x
my dad just retired at full retirement age, and there is a limit on income for the first 2 years tha
x
Oh, I found it really creepy when you said you found the flowers not so skillfully arranged on your
steps, and from your own flower bed. That's what I was worried about, having gone thru some psycho kids myself with my pups. Someone's been in your yard and in your garden and at your door without your knowledge. Its just creepy to me, and I'd still be very, very careful. Especially valid sounded the other MTs warning you about potential fake molestation charges. You just NEVER know nowadays, and these people have already turned on you big time once. Luckily (though I don't believe in luck), you had it on film to save yourself and your puppy. You might not be that lucky next time, and the whole thing just sounds very unstable to me right now. I know you feel sorry for the little girl, but probably the only time I have ever made BAD decisions regarding my life is when I felt sorry for someone, particularly kids. My son even has an evil kid in his life, but one who has a million reasons for sympathy, and I was saying how we should "be bigger" than the situation and invite this kid over to play. Thankfully, I regained my sanity long enough to remember - ever time I have done something like that on a personal basis for someone just because I feel sorry for them AFTER horrible behavior, it has always been a disaster... Be kind, but you don't have to risk your family again. Be kind from a distance. Its sorry she went thru this horrible experience, but YOU didn't cause it, and its not really your problem. But it could be your problem if this kid acts out in your life. Know what I mean?
Make money? I'm not making any money because of my decision. You read my reasoning
You can agree with me or not, but don't make false assumptions please.
You're working to make money, not to spend money.
These people should be ashamed of themselves taking advantage of people this way!
I also blew some money signing up with Quixtar... The only way to make any money is to bug everyone
you know into signing up. I felt like a snake oil huckster. I hated it. I was flushing money down the toilet from the moment I handed over my money.
RUN, do not walk away! I do an entirely different side business now that I really love (in addition to my MTing, which I also love!) Find something you're good at and that you truly love doing. Then make a business out of it. That's the best way to have a side business. Selling discount toilet paper through Amway/Quixtar? Not so much.
The CMT exam is overrated. Don't waste your time & money. Use that money on
paid anymore just because you have it. There are a few CMT cheerleaders that post to people like you but they are pretty well sucked up into that association.
Yeah, money, that's it. I paid $20.00 for my dog. Money is NOT THE ISSUE
walk him daily, play ball daily, he sleeps in my office daily while I work. Yeah, I got a lot of money, NOT HARDLY. And, my dog is HORRIBLY HORRIBLY ABUSED because he wears a collar around his neck. It's people like you that make me sick. I am done defending my use of the shock collar. I am going to continue with it and my dog will continue to be pampered , educated, fed, kept warm, and love me for everything that I do for him even when I remind him that his barking needs to stop. So, with that said, I will not respond to any more of your CRAP in reference to the shock collar.
I think I found it, found multiple recipes with the same
exact ingredients so I figure this must be it.
Money is money and most people will do whatever it takes when in need. sm
if you do bring it to the attn of the office manager, why not offer her a raise to compensate. it is obvious she just needs or wants more money than your office is paying her. I agree, it is a free country and although it seems odd, unless you had it outlined in contract, she can work for whomever or whereever she pleases on the side. at least she is typing and not at a strip joint, lol. I see no conflict of interest, she has experience obviously in whichever field you are in and what is wrong with doing extra in that field. i agree with MYOB "nicely" and concentrate on your reports than looking at older reports and seeing who they are typed by.
Only 3 years away from reaching total years for retirement
but if I had to do this and raise a family, would feel exactly like you do. The pay is terrible compared to what I used to make. I work 32 hours a week, hope to be able to continue even after full retirement age. I have worked on VR now and unless places get to where they really do not care about how their reports look, think they will need MTs. I very seldom do a report and it is 100%, just cannot remember 1 like that and most take a lot more editing. Working now because want to, not have to anymore, thank goodness!!
Found it, Prolastin, also found
alpha-1
No need to wonder..It always means less money for the MT and more money for MQ.
z
Money, honey, money!!!!!!.
nm
One year and you make decent money? What is decent money to you?
k
What I have found ...
is that specialties are usually easier because they are a confined, defined, specific, and more narrow scope of medical terminology, etc. As well, you will not have as many dictators to learn in a specialty field.
The more broad/general the work you transcribe, the greater the base fund of knowledge you need for knowing the terminology, medications, tests, procedures, diagnoses, treatments, symptoms, etc.
Just my experience.
I found their ad.
I see in an old post that you work PT for them? Are they hiring any PT at all right now? Do they consider PT to be by hours or by lines? I can go to their website, too, if you don't get back to this. Thank you.
found it, thanks anyway...nm
xx
I found it as gm in BOS
per BOS, so I guess take your pick.
I FOUND OUT
I work for a hospital, not for MQ, but we use their DQS program. What they do, is go in on DocQmanage and change up how they count the lines. They use a divisor that changes. They can count or not count whatever they want, and they do it! They are literally stealing from us.
Tri-Est - Found it!
It never fails - I searched for this multiple times yesterday and again this morning. As soon as I posted it on the board, I found it.  Sorry to have bothered you all.
I FOUND THE JOB OF MY D~R~E~A~M~S
at OSI, and I quit after a couple weeks. Control freaks, liars about off-shoring, really weird QA director, and impossible ESLs. Stay away.
look what i found
Google the email address and you will see the following. No one should have to pay...
Dear Telecommuter:
If you are interested in working from home then we can help you land your next job from the comfort of your own home. What makes our telecommuting agency so different from all the other employment services is that we train our job seekers, place our job seekers with companies, market resumes online to companies nationwide and we also offer telecommuting job openings internally, which is apart of our services.
We do ask from our job seekers working from home to have a computer, internet, phone and office supplies. We have recruiters nationwide online actively recruiting for large and small companies. Our recruiters and sales team are required to search for companies that will hire telecommuters. In their presentations they explain the many benefits they receive by hiring a stay at home person. I'm proud to say that we are doing very well and have convinced many companies to hire telecommuters. I think eventually all companies will start to hire telecommuters. It's the way of the future!
We have access to hundreds and hundreds of Work AT Home Jobs available and we will give you all the information you need to apply for these legitimate positions.
We have helped thousands of people find real legitimate work at home and we can help YOU too. We have over 8 years combined telecommuting (work at home) experience, and we are dedicated to helping you find work at home that you enjoy and can make a good living at. You can now have the freedom to spend time with your family, and enjoy the things you like to do. Please review the CURRENT available positions listed.
To view today's telecommuting job listings click here: http://administrativetelecommutingjobs.blogspot.com/
How to register and obtain your job contact listings:
To become an active member with us, please send us an copy of your updated resume to atjobs@sbcglobal.net , and complete your registration with us at www.paypal.com and send payment to our email address atjobs@sbcglobal.net in the amount of $11.75, which is a one time registration fee for your job contact listings.
Once your registration has been confirmed and received, then we will send you your job contact listings immediately for you to get started.
**Please Note**:
You are not paying our clients to work at all so please do not confuse the two. However, you are only paying for the legitimate contact resources and findings of our services. No other fees will be assessed or asked for. You should hear back from the listed clients with 1 - 2 weeks minimum if the client is interested in hiring you as a contractor to work from home.
The listed clients do hire ongoing and are always seeking qualified candidates to take on challenging projects. We update our site periodically and guarantee fresh job leads always so always please check back for new postings.
Thank you!
Jerry Shears
Telecommuting Administrative Director
THAT IS JUST WANT I HAVE FOUND
out from a nice person who emailed me with some very helpful information. Looks like that is my first task, to have some dictation of my ownm some nice Americans and ESL physicians to use in classes.....Should not be too hard to do....I have acess to a hospital.....I was under the impression that since I purchased the programs and each had the company label on them, crediting them with ownership, I would be in the clear. Guess not.
Found it. Thanks.
x
I found it used for $100..
You can look on Mtdaily.com under classifieds or post a wanted ad. It very rarely sells on ebay.
I use it and love it too. Took me a month to be real efficient with it though.
Found it! 6.0...
nm
I just went to my first one and I found myself....
I was dressed nice, it was held indoors/outdoors at the botanical gardens in the city where I live, but I really believe I was underdressed......not fancied up enough.
Oh well, it was my first one EVER, and was for my friend's eldest, and I went, and it was fun and nice; a lot of dancing mainly. All women were in skirts or dresses.......no slacks or fancy trousers.......
The men, on the other hand, and the boys, were dressed far more casually than the girls/women. Jeans and nice shirts were what most men and boys were wearing....very neat and clean, but I found that odd too, that the women/girls were FAR more dressed up.
We gave $$.....*S*
I think I found something
Check this link: http://www.dol.gov/esa/regs/compliance/whd/whdfs20.htm
From what I can tell, we are considered "commissioned" workers and there are rules as to how OT can be applied. What do you think?
I found this one!
Strawberry Swirl Cheesecake Brownie Bars Recipe
Ingredients
Bottom:
4 ounces cream cheese, at room temperature
8 Tbsp butter (1 stick), melted and cooled to room temperature
1 egg
1 pkg (21.2 ounces) brownie mix (tested with Betty Crocker Triple Chunk)
Cheesecake Layer:
3 packages (8 ounces each) cream cheese, softened
3/4 cup sugar
1 tsp vanilla
3 eggs at room temperature
3/4 cup pureed strawberries, fresh or frozen, sweetened with 1 Tbsp sugar (sugar is optional)
Topping:
1 pkg (3 ounces) strawberry-flavored gelatin
1/2 cup boiling water
1/4 cup strawberries, cut into 1/2-inch chunks
Instructions
Bottom:
Preheat oven to 350 degrees F. Line a 9 by 13-inch pan with non-stick foil.
Cream butter and cream cheese together; add egg and mix until smooth. Combine creamed mixture with dry brownie mix, stirring by hand. Mixture will be thick. Spread evenly in foil-lined pan and bake for 15 minutes. Cool to room temperature.
Cheesecake Layer:
Beat cream cheese, 3/4 cup sugar and vanilla with electric mixer until well blended. Add eggs, 1 at a time, mixing on low speed after each addition just until blended. Reserve 1-1/2 cups of the plain batter. Stir strawberry puree into remaining batter.
Spoon strawberry batter over bottom; top with evenly-spaced spoonfuls of plain batter. Swirl a butter knife through topping for marble effect, taking care not to dislodge the bottom brownie layer.
Bake at 350 degrees F. for 40 to 45 minutes or until center is set and edges lightly browned. Cool to room temperature, then refrigerate while preparing topping.
Topping:
Combine boiling water and both boxes of gelatin. Stir until no more sugar or gelatin granules are visible and liquid is clear. Cool to room temperature. Add strawberry chunks and mix well. Pour cooled strawberry gelatin mixture over top of cooled cheesecake and spread evenly. Refrigerate for at least two hours. Cut into bars before serving. Refrigerate leftovers.
Yield: 24 servings
i found them...
where *Me* said - at the bottom. scroll down when you hear the buzzing. it is a mosquito game thing to win a free something or other. VERY annoying.
I just found them for as little as $5.....sm
on ebay under the search words of "alarm clocks with sounds" and under the search words "sound machine" found them starting around $10.
I found a way to get rid of a doc if you are an IC. sm
Present with them a contract that they believe is just not realistic, that's how! Get this.....I get a call last week from local internal med. doc wanting me to do their transcription. I MT'd for them briefly (2 days or so) a few years back and they remembered me, etc. I work FT for a co. at home, so I really wasn't interested. Office manager called me last Thur., Fri., Monday and I finally decided to do it on Tuesday. Went in, picked up tapes and basically said I'd do it until they found someone else. The office isn't that close to me and with the price of gas, the fact that I have 2 little ones at home with me all day, just didn't seem feasible for me to pick up tapes, etc. Okay, fast forward to today.
I decided last night that I would make them sign a 3 month contract b/c I've read horror stories here of unpaid docs and wanted to covery my butt. Here is what I asked for in contract: 10 per 65 character line. Reasonable right? How about 15 cents per 65 characters for stats or 12-hour or less TAT. 2.00 per faxed page. And a few other things. But basically, they would rarely need anything but 24-48 turn around on tapes.
I also included my invoice from the tapes I've done so far and the total came to 589 lines. Nothing big.
Here is what this doc wants me to do: Count the lines manually using less than 1 inch margins on both sides. Use 11 font instead of 12 (thinking he will get more per LINE), come in 4 days a week. HAHA Isn't he funny? He is ESL who apparently had a newbie do his work for the past 2 years who counted her lines manually which I did just for fun. I counted 240 lines when Word counted 589 lines. What a joke.
So, needless to say, I'm not going to do it. Can you believe this guy? He was complaining that "he doesn't make that much money...can you cut down on your rates?" OMG. This guy lives in a gated community for crying out loud! I typed 27 patients in just one day. I doubt he's broke. I wanted to tell him all he is SAVING by hiring an IC. Say he did sign a contract with me and I worked for him, he would pay me approximately 12,000 a year. Does he realize that if he had someone in-house that this same employee would cost him 30-40,000 in insurance, taxes, wages, etc?
I cringe just sitting here thinking about this cheapskate. I feel sorry for the gal he's been 'screwing' for the past few years. She must have wised up!
Just had to vent!!
|
