Your personal creditors may not discount amounts due, but
Posted By: on the contrary - the business world is different on 2005-12-05
In Reply to: Answer me this... - Donna
commercial entities often do. In doing the books for numerous local businesses, I was required to pay ASAP to take advantage of discounts. For example, "terms 2/10 net 30" means you get a 2% discount if you pay within 10 days, otherwise, it's the full (net) amount due within 30 days to avoid a late charge.
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Where do you folks get these amounts???
I find it hard to believe that a lot of the MTs on this board are making over 20.00 an hour. The state of MT is in BAD shape with outsourcing, EMR taking MT jobs, etc. I'm having a hard time believing that some of you are making those high amounts. If is is true, where do you live and where can I sign up? My company is hiring MTs with many years experience at 10.20 an hour.
This is all of MQ and that amounts to about 2 cents less per line for ASR.
:
Do it as a LAST resort. Try to work with your creditors.
It will follow you around for some years, depending on how you file. My opinion from what I saw in my former world of banking.
As far as creditors, once you signed up with the agency, they have sm
NO CHOICE but to work with the creditors and YOU DO NOT HAVE TO ACCEPT calls from them. There are plenty of laws on the books protecting people like you. You need to contact your agency ASAP and tell them which creditors are harrassing you (yes, that is what they are doing if you cannot afford to pay them), and quit talking to them. Trust me on this one. My husband and I years back got into a major bind and worked with a credit agency where we learned about a lot of laws.
So, we began writing our own cease and desist letters directing them to our agency or saying "we want to deal with the original creditor and not YOU", i.e., capital one, etc., and they left us alone. We cleared out debt and it's been pleasant ever since.
So, you have fallen upon rough times. We all have. You HAVE options. You can keep your house and you can have phone call-free days.
You are doing the RIGHT thing by using an agency instead of filing for bankruptcy. Too many people are filing because they see no end, but there are ways to avoid bankruptcy. Plenty of ways.
Good luck
You might also call the various creditors and utility cos...
if you have a good record with them they may let you skip a payment or at least waive late fees for a while.
and a lot of other things like meds and amounts, anybody know of this?
nm
That's what I'm thinking, too. Our agency told us to refer ALL creditors to them
and they were awesome. I'm thinking she doesn't have a good one, either. She definitely needs to call them or switch agencies, like the one you mentioned, to help her.
And create enormous amounts of trash and pollution. Human overbreeding is doing us in. nm
v
Discount
Yeah, it is a discount plan, which means no pre-existing conditions, no claim forms. I didn't sign up for the medical part of it, which is available here in Tennessee. I just signed up to get the dental benefits. I needed a lot of work done on my teeth (3 crowns, 1 filling, a bridge, and a root canal) and it has saved me a ton of money using AmeriPlan.
I mainly just wanted to make people aware, especially Transcriptionist like myself, that if you don't have insurance, this could be an option. Or if you do have insurance, you could still use it and save even more money.
Discount
If you go to the link I posted it says in big letters that it is not insurance, that it is a discount program. I'm not trying to fool anyone. I signed up for it myself through my father-in-law. It may not be available in all states. You can go to www.ameriplanusa.com or www.ameriplanhealth.com to find a provider near you. I live in Tennesse and have a regular dentist that accepts it and my husband and son go to an eye doctor that accepts it.
Discount
You don't have to give me your email address.
Here's the website, go check it out for yourself. I am a member myself, but somebody has got to sell it, right? It really is a good benefit.
www.everyonebenefits.com/BradfordInc
Thanks.
Discount -from below
I charge a decent price, I make VERY good money, have had my accounts for 5 to 18+ years, have never had a bounced check, am always paid within 48 hours of receipt of invoice,they NEVER question my line counts so if it costs me 1% per month - to me it is worth it. They also give me free medical care, medication samples which more than makes up for the small discount that I give. So though many of you disagree - it works for me. I can pay my bills on time because I can COUNT on the checks to pay them. No hassle at all. I get it back in different ways. One antibotic prescription per year makes up for it.
I wouldn't discount sm
on-line dating but there are so many weirdos out there these days that I would be EXTREMELY careful and follow all the precautions that have ever been written on the subject. In addition to meeting in a public place, hopefully with someone with you, I would be extremely careful that I wasn't being followed when I left the date. From what I've read many, if not most, of the mass murderers came across as being very nice guys but then you really don't know anyone when you first meet them no matter where you meet them. I recall at least one of the infamous mass murderers was well-educated, well-liked and apparently well-respected in his community. I don't think I would ever go for the internet dating myself but apparently there are quite a few people who have been successful in finding their mate that way; I just don't happen to know any personally. I don't think probably it would be any worse than any other way of meeting people, you'd have probably a 50/50 chance of meeting someone you would want to spend your life with and a 50/50 chance is about the best we're gonna get in this life no matter what we're gambling on; we only have a 50/50 chance of making it through this day.
They probably got a discount since they are outdated.
CMT (Indian MTs have discount)
Sadly, I am slowly moving from lower middle class to poverty level since pay cuts as a full-time MT.
After numerous requests for some kind of help toward paying for the certification, I am told by AHDI (AAMT) discounts are not even being considered in the near future.
With the future so bleak for the future of MT, I am not sure why I should put out all that money. I am bringing home less than $300/week after taxes and health care...? How do I justify the $287 or so cost, when I have my utilities threatened to be shut off every other month for simply just not having the money...
For me, I do not have a partner who supports me. Am I the only one in this boat?
go with a discount plan, sm
you can use YOUR dentist, not just anyone on a list - ask at your dentist's office what discount plans they accept and look them up on the web. just like insurance, they all cover differently. Similar, tho.
the main reason I went this way is because there is no hot-shot company of office workers on the other side of the country playing doctor and denying claims. They are doing that more often in these days. I was shocked when it happened to me with a cracked tooth - then EVERYONE told me they went through the same thing with their companies.
you don't need any suprises like that - to the tune of thousands of dollars.
Don't discount ops. That's how I make my big production. SM
There are SO many phrases you can shortcut. They're all the same! I insist on working where I only type ops.
So do you think gas stations should discount gas for us pumping our own gas?
I'd rather scan and bag items I am purchasing, folding them the way I want to and separating them then pump gas out in the cold with the smell of gasoline on my hands.
Not to discount your fear right now, but didn't her doc
advise her that the risks involved with surgery would include perforation of organs, and other complications, including death. Medicine is unfortunately an inexact science, and doctors are, after all, only human. May not be a clear cut case of malpractice, may "merely" be an unfortunate complication.
I've seen many people rush into a lawsuit, only to have their lives and money consumed by them, to find out they don't understand legal concept of malpractice and even if malpractice, if the insurance company has a better lawyer, you can lose anyway.
For now, I would focus my energy on praying rather than suing...
Students get a hefty discount
If you're in continuing education, could you still call yourself a student? I don't know, but when I bought it, I just had to tell them I was a student and I got a discount.
Discount - sorry long message
I do offer my docs a 1% discount if they pay within 3 days and especially if their account does go over $1000 I get my check the next day. One of my newest accounts did not apply their discount to their second bill and I was told "You work hard, the work is returned on time, good quality, Dr. C______ is not the easiest person to work for and I did not take off your discount because you deserve every penny of your invoice." He is a dermatologist, has lots of Op notes, good gross line count and he is really not that hard to do, lots of shortcuts but he does have an irritating habit of clearing his throat about every 5th line but you get used to it. But again I have been luck, all accounts pay within 3 days at the longest, never a bounced check and never a question on my line counts. But along my 15 to 18 years of doing this, I have had my share of poor ones but for the past 7-8 years I cannot complain. I have older docs who will probably retire in the next 10 years but then so will I. They are stand alone, 1-2 in a practice and so don't know if they will ever go EMR or even digital but will continue as I have. The accounts are out there you just have to look and perhaps go through several before you find one that appreciates you.
I do give a discount - some ideas
I do give a discount and my accounts pay usually the next day and in one account the doctor actually writes the check to me. I would call back and talk again with her explaining that you are a small business and need to have a check by a certain time in order to pay your mortgage, etc. Ask if you submit them the invoice by the 25th to 27th if you can count on a check by the 1st or if you submit on the 1st you can have a check by the 5th. So if you need your check by the 1st, I would give them the invoice by the 25th to 27th depending on what day of the week it is and put a note on it stating "per our conversation payment is due to me no later than the 30th." or whatever date you agree upon. I have found that offices do not like bi-monthly billings and like to pay only once a month. I have 4 accounts for invoicing and payment by the 1st and 2 for the 15th and payment by the 18th so I have cash flow throughout the month. But try talking to them as people and see if it works.
I agree with you. Why would we give a discount for being paid what
we're legitimately owed? Some businesses do it to encourage prompt payment, though.
U.S. offers them medical school at a discount
if they remain in the country and practice in out of the way places for a period of time before returning to their country or to a higher wage earning position within the medical establishment.
J &R Electronics discount 83.00 with free shipping. sm
Not a bad deal. just wondering about quality with just voice and not music.
I have a 100% discount for you. Don't take the test! It's worthless as is the association be
Check with college, sometimes you can get a student discount for a laptop....nm
xx
Do you give a discount for standard procedure notes? SM
I have an account who asked me to provide them with a form that could use for standard outpatient procedure notes. I personally feel that there are too many variations for them to use one paper form and offered for me to do it for them at a discount since almost the entire thing would be a standard that I don't have to type in its entirety. This account is a great account and I figured it isn't a big deal say to chage 25 cents instead of a $1 (example) for the form since I only have to type a couple letters to pull up the form and insert any changes.
I really don't know the easiest way to keep track of this discount or what amount to discount. Any ideas? I'd rather see me getting a small amount for doing the form then to get nothing for them using a paper form. Plus, the account is newer to me and I thought it might look like a plus for me to offer them a discount and to make their life easier by not having to dictate the entire note.
Thoughts...ideas??? TIA
I would not offer a discount. You have to create and then edit each report--sm
to make it patient-specific and that will take time. It will also be hard to keep separate which reports were edited and which one was not.
Once you start lowering your cost, this will not be the only thing they will want a discount for. I do not think it will be a plus for you and in the end you could be doing yourself a disservice in the future when you need to raise your rate.
I must comment: You do know Indian MTs get a huge discount on the cost, right? Do
you think that is going to come up and bite us some day. The association seems intent on making this a standard, that everyone should have the certification, and they are certifying foreign MTs way more than American...
What are they up to with that?
I got a discount by joining a study group...I think they still offer that. nm
;)
that doesn't sound like insurance, sounds like a discount plan:
x
This is not personal for me.
This afternoon I watched coverage of the mother and I am embarrassed for her as an American. She has gone far beyond the first time I saw her and really felt sorry for her. I believe her criticism is harsh assuming she knows no more about what happened to her daughter than we do or the judges in Aruba do.
Isn't that personal?
The best interest of the patient has to be examined here. Why, in order to prove something that is said about other occupations, do you compromise the patient's privacy in order to prove yourself?
Not sure if you mean as MT or for personal (sm)
If for MT, here you go:
http://www.drugdigest.org/DD/Home
my personal ob/gyn uses (sm)
EMR. I must say that as a patient I do not like to sit there while he types into his system, looking up at me occasionally to ask a question. It is very impersonal and, as I think you ORS is going to find, quite time consuming on his part!
I have no idea how he'd get his IMEs done, either. The one EMR report that I've seen (had to take one from my ob/gyn to a neurologist for my migraines) looked very "computer generated" and not "personal to me" at all. What a turn-off for a $150 doctor visit.
If your client is very busy, hopefully you will be hearing back from him once he finds out how time consuming it is entering all that data!!
Bonnie, new to the board
personal?
Dear SM, given your abject anonymimity, how can the question be personal?
Try not to take it too personal...sm
sometimes some people just struggle with being nice or trying to help. Everyone needs a break some time...even her. good luck to you!
My own personal take on that....
My daughter was in the process of being preopped for back surgery for scoliosis in her thoracic spine. She had had before playing basketball, but she got injured during a game, which really exacerbated it when a girl fell on her neck/upper back.
Anyway, the PA in one of the many consultants offices we went to actually asked, "Who fell on you? A teammate or someone from the other team?" My DH and I looked at each other and could hardly keep from laughing, but God love my daughter who answered her with a completely straight face, but asked later, "What difference does it make who fell on me?" That question still makes me scratch my head.
Same here, but it was my personal PC, and...
I ended up pulling off just the bare necessities (critical documents and e-mails), and I had to take it down to the dirt...partitioned the hard drive and reformatted, reinstalled the operating system and all my programs. I have degrees in programming and information systems, and it still took me 20 hours to do. If you can't do that yourself, you need to get it to someone who can, but plan on a pretty big bill, I'm afraid. It may be as much as a couple hundred bucks, maybe a little more.
I am so sorry for what you are going through! I think virus programmers need to be stuck in front of a firing squad.
I'm with ya on that one! ALL of our personal
personal thanks
Sue:
Thanks so much for being so cordial. I just read a nasty gram telling me that basically I have been complacent for 18 years and now need to join the 21st century. I have done work on-line over the years, but have never had to take a test. I have tons of reference materials and just have nearly always used WP. I do know how to do Word, but don't use it every day.
Can you tell me who you are working for now? Any advice for me?
Again, thanks for being so helpful. I am going to go on E-Bay today and order that.
Write back with any advice, please.
Thanks, Jeanie
not sure about your personal accout, but
in my office they say just spell it as best you can and let the MR people worry about it unless it is completely unintelligble, then put Unknown and leave a note and forget about it. hope that helps you :)
Any personal experience with HRT?
Can weight gain be a side effect of hormone-replacement therapy? Has anyone tried anything else for symptoms of menopause? I need help! Gained 40 lbs in the 1-1/2 years on HRT and gotta do something about it!
It's a personal decision.
I prefer IC as well. When you're an employee, they pay you less per line than as an IC. You still pay taxes, federal, state, Medicare, Social Security as an employee. However, the employer pays for Worker's Comp and matches the social security and Medicare only portion of your taxes, which I believe is only 7.65%. That social security percentage is quite small when you consider the fact that self-employment taxes are only 15.6%. I don't remember the exact percentages because it's been a while since I had to manually figure it all, but you can look it up on Google.
As an IC, I get to deduct every little thing I can think of. I can deduct my home office, a portion of my utilities, a portion of my Internet and phone, any mileage, office supplies (and I love office supplies!), furniture, software, computers and other equipment, paper, reference materials, everything.
The issue is that when you are an employee, those taxes get taken right off the top so you don't even miss that money. Most people don't set aside a percentage of their pay that should have gone to those taxes, so they grumble when they owe at tax time. You actually get to see how much you're paying out in taxes. However, they got to use their money all year instead of loaning it to the government interest free. That's a perk.
Just my personal opinion
but I think the Herman Miller chairs are as overrated as they are overpriced. I bought one of the Aeron chairs and ended up sending it back. It would have been great for lounging, but it was all wrong for proper support for typing all day at a computer. I have no experience of the Mirra chair; it might be better. I ended up test sitting several chairs at Office Depot and Staples and found a very comfortable, very supportive chair on sale for about $100 that has worked very well for me. I'd recommend, before you spend all that money on a Herman Miller chair, try out the chairs at office-supply stores. You might find one that works for you at a much lower price.
Must just be personal preference then..
because I absolutely love it. Been using it for over 3yrs. Very easy to query the fields to change to correct DOS or patient if need be, upload statuses to use if info is not available. I am so sorry you detest this platform...I absolutely love it. As far as the ESP expander, adore it too. Sure, I had to add everything from scratch but once you get through the major bulk of it, adding ones here and there over time is a piece of cake. I even have complete reports including headers set up in my ESP files. Some Expander programs will not allow that. In answer to your question, no I have never used SmartType (sp?)...but I have no complaints with what I have now. Guess it's all what you're used to and what you like your expander to be able to do.  
PERSONAL ATTACKS (SM)
Cut it out with the personal attacks. If you don't like the subject matter, skip it. Banning is the next step. I'm tired of deleting unnecessary, ugly posts.
Goldbird
Nah, I don't have a tatoo. It's personal art. To each his/her own. sm
Some men find tatooes on women very sexy.
Don't be so judgmental. It's art and very personal for some.
Personal opinion here.... but
I would wait until my test results come back; however, I would be researching into which companies hire fresh out of school and also check with your school to see if they have any contacts with companies for their new graduates.
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