accounts. Pay own taxes & insurance, charge to cover it all & to pay yourself a good salary.
Posted By: Deb-it's not easy, but worth the hard work. nm on 2009-05-23
In Reply to: OK. No offense back at you. I said it below. If you have an employer you are not an IC! Get your own - Deb- believe it or not - does not affect me at all
nm
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
be sure your insurance will cover surgery AFTER sm
he's going to lose so much weight the skin will be hanging and a lot of insurance companies will not pay for "cosmetic" procedures like tummy tucks, etc. to get rid of the excess skin. Just be aware. Good luck!!
There are some short-term insurance policies out there that cover you betweens job but do know that
they will not constitute as having "real" insurance thus the same has having had no insurance for those few months. I stupidly got a short-term policy for three months until my new insurance would kick in and it ended up not meaning anything to my new insurance. I had to wait a year for my preexisiting. This was Regence Blue Shield and others could be the same way. If nothing else, get a cheap high deductible plan ASAP to kick in right away if you dont want to take the Cobra.
My husband just signed up for group life insurance with work which will give him 10x his salary if
he dies which will leave the kids and I with almost a million bucks if he dies. Of course I would much rather have him here more than anything. He had just 150,000 in insurance but for some reason just opted for this group thingie. When talking last night I asked him if he died if I could marry again and this man got so upset with me I thought he was going to cry! He told me absolutely, positively NOT that I could not remarry ( am 31!). He is 35. LOL
Poor guy. Leaving me all this money and I supose the thought of me sharing his wealth with someone else makes him sick!!
I told him he could go ahead and marry if I should happen to die. I want my kiddies to have a great mom and person who loves them very much. Wouldn't you agree?
How do you feel about your spouse or partner remarrying if you or he dies??
Your taxes do not pay employment insurance.
You don't have a right just because you want it.
If your unemployment is govt-subsidized in anyway, remember you're riding on my tax dollars too and I say no way!
then why don't YOU go out and get your own accounts and charge 45 -- if it's that simple...
x
I'm with you on the illegals, but paying taxes is not an insurance policy.
x
Do any ICs with their own accounts charge extra for holidays?
nm
A good of thumb is 30%, that should cover everything.
x
you don't have to charge $60/HR - all you have to do is charge a good rate and then..
work smart, not hard. If you have a great dictator, charge him 14 cpl on a 65 char gross line, then set up your templates and word expanders, you can make $80/hr. But you need all three to work together, otherwise you might only be making $60/hr. Some people are just really good at what they do - shouldn't they make more if they are more productive?
Own accounts, line charge, MTSO percentage
I think you might have posted this same question about a week ago. I take anywhere from 20 to 30% on an account from my IC's that covers my being the QA, the accountant, the customer service rep, the go between and the relief transcriptionist. I really think you MTSO is being more than fair. Stop and think if and when you get your own accounts, would you only keep 25% if someone was typing for you? Sometimes it is hardly worth my time to keep the accounts for the IC's as the time I spend on those accounts I accounts I could be typing and earning $30 to $40 instead of the $10 to $12 that I get when someone else types it. Remember when you have your own accounts there is no one to cover for you when you are sick, your child is sick, you go on vacation, holidays, etc. There is always a flip side to the coin. I do wish you luck but there is more into doing your own accounts than you realize.
All Chris did was cover the band Live's cover of the song. He
didn't do anything special.
Good anatomy book is "Gray's Anatomy" (Running Press), soft cover, and inexpensive
$72 is not their salary, it is their salary and benefits package
including wages,insurance, retirement pension, COLA fund, etc.
Not all accounts are good accounts. One
That should not be the case. Sounds like you need new accountant with strong knowledge of IC deduction. We save a several thousand on what we pay in taxes based on what I can deduct as at home IC, $2000 off the top for what I pay my child to help with office chores, as an example. The measly 7.xx% I pay that an employer would pay is well worth my independence in being my own boss.
What you pay a good tax guy to give you suggestions and help with taxes is
:)
Good point re: insurance, but also...sm
remember they collected $50 per month for computer rental from SE's, but not from FT employees.
That was on MedRite when I was there, but do they charge computer rental with their new platform (DQS?)? If they don't get that rental money anymore, they might be eliminating SE's. Just a thought.
insurance isnt good
If you want insurance, they have a $2500 deductible. They pay 500 of it they say. Unreal.
Absolutely not! Most editors do not charge by the line. A good editor
knows that line pay is not fair pay, or let's say a quality editor knows that line pay is not fair pay. I have done some VR editing and believe me, the ones I did you literally had to retype the whole report. Figure out an hourly rate that would work for you and don't take anything less. Editors or QA people should not be paid on production. That's the final step to quality and some of these groups, services, will learn that one day! Some of the better ones already know that.
A good tax guy can help with taxes and give ideas on deductions. His fee is a
:}
Cost of insurance..is this a good rate?
I have just been oferred a job with a company that offers insurnace at $385 a month to cover me and my husband. But, we would have a $2000 deductible and after that is met then a $20 co-pay. Since I have been an IC my entire MT life, I'm not sure if this is good insurance or not? Is this the norm for MT companies?
TransHealth has pretty good insurance.
x
Good source for health insurance? sm
I want to start working for myself but need a good health insurance policy because I have two little girls. Any suggestions or advice?
For this account, I charge 0.12 cpl. It is very easy clinic stuff with good dictators, but ...
I also do tapes which are horrible so I'm considering upping my line rate especially if all this aggravation keeps up. When I first took the work, I thought I was being fair because the work was so easy, but then they asked me to do tapes and then work specific hours, print and deliver work three times a week. I wish I would have addressed more than TAT and line rate in the original contract. I do charge them a $5 per delivery fee because of gas prices, but still I think I'm getting the shaft.
Oh well, live and learn. I am negotiating for a local doctor's office here in my hometown, small one doctor office, and I'm here to tell you I will be negotiated every little detail right down to paper and toner charges!
Where did all the good accounts go?
To India.
Insurance is good, but I'd recommend you don't get too specific in coverage.
You could contact a company like Colonial Supplemental Insurance to get accident coverage and consider what other policies you might need, not just for your hands. After all, what if you are in an accident and it's your back that's keeping you away from your desk?
LOL, and the good accounts are all taken by favorites (sm)
but they are always looking for experienced MTs for the bad accounts.
Good accounts are given to their buddies,
the ones who can do the hard accounts will never be allowed on anything but a harder account. And, of course, the ones on the easier accounts get raises and praises because they can get so much work done. Then there are those MTSO who give their buddies the accounts that use a lot of normals or work types that produce a much higher line rate.
It is much more prevalent in smaller companies that the really big ones, or in those companies that started small and knew their MTs personally.
Good accounts are going overseas
How ironic!
Good way to keep her accounts. SOMEONE has to read this stuff over
EVERYONE makes mistakes.
Bad. Good pay, but bad accounts and rude people
stay away IMO
Good accounts and plenty of work. sm
PT line count is 6000 per pay period; FT is 12000.
Can somone recommend a good health insurance plan for my son who is in college? *sm*
He needed one more class for his bachelor's degree and because he is not considered full-time, he is no longer covered on my plan. Thanks.
Does anyone have any good, realistic advice for working on 60 different accounts!?...(exaggeration)
but I am really getting frustrated. I left a company who bumped me off my ERs (which I did for over a year and were my 'bread-and-butter', and the more I complained or asked about it, the worst dictation I got, etc. This was a change of management in which that company went down-hill fast, anyway, as far as the treatment of MTs.
so I left, and now at the 'new' company I am still doing 5, 6 accounts. Forget ERs, I am told.
the question is, I am working on so many accounts, and even accounts with different management, different QA. I am embarrassed to mention I just did a report using the SPECS FROM THE WRONG ACCOUNT. Luckily, I had sent the report to QA, but I get a note from the QA like 'read the specs' (stupid) is how it sounded. Yeah, I did, but for the wrong account.
these companies do not see how making people work on so many accounts is going to be huge negative for them in the long-run. they risk mistakes like this, not me.
how does one keep it all straight, and why do we have to? the only people who are having success, are people who will take any kind of abuse, it seems, and are just making the best of it. does that mean only the aggressive will survive in this business? this gets more ridiculous all the time.
not to mention, pay and money - LIVELIHOOD - severely diminishes the second week of pay-week. anyone else notice that? first week I am flying on the primary, second week in I am like getting scraps, working on 4, 5,6 accounts - there goes all I worked for in the first week.
so these ladies typing 300+ lines/hour and making $50 thou a year, like so many boast on here, how,where, when ???? I am not getting it, and I am a 99-100% quality MT, working 35 hours/week. every company I have worked with, my paycheck is totally dependent on the manager, period.
Charge what the credit card companies charge when they don't get paid on time!!!!
Audio hour charge - what is fair rate to charge company?
1 main and 1 backup. You can't get good speed going with too many accounts. Scratch that crap! nm
,
Doubt you can charge 15 cpl for VR work to the docs - you can't even charge them 12 for straight
x
You have your W2 showing very clearly those taxes were paid. MQ is responsible for those taxes
because you were a statutory employee. That is the responsibility of the employer to pay those just as though you were an employee.
I'd still charge by line, just charge a lower
rate, like maybe 8 cpl. Do you have to pickup and deliver work? You could also setup a one-month contract until you see how it goes and then you can figure out the best way to charge and go from there. You could also charge a flat rate per page and keep it fairly low.
One office I charge .12, another I charge $2.25 page--nm
//
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
How about zillions of accounts. MQ has these accounts so overloaded even the new hires dont have any
work. I would love to read some of these reports and then they expect perfect QA and no blanks. Did they lose their minds completely.
It is about more cover up
There isn't one thing liberal about it. It is about, as noted, covering it, glossing right by it .. better than the rest of us .. rules don't count .. do what you want .. you run the show attitude that these idiots have adopted in their bid to right wing the world and do what they want. Does Dick Cheney really need to be out shooting birds??? My God, he actually makes George look like the smart one now!! Scares me too death to know these fools are in the woods playing with guns.
Just have to cover yourself
I have an account that asks that I not use subcontractors but for vacation it is okay and I know if I had a two week illness or something they would be okay with it but for everday use, they don't want anyone but me. But again, I only work with verbal contracts and I know that means I could be let go at any time but so could they. I have asked my accounts every year for the past seven to ten years if they want a contract and they say no need for it. So we just keep on plugging along with each other.
Most likely will not cover
Unless they are considered a "dependent" and living with your or their main residence is with you when not attending college, they will not cover. Once they reach the age of 18, they must be attending college/school full-time and you have t have a form filled out by the school. Sorry.
ps CTA meaning to cover their a**.
x
Is this the same as Sheer Cover?
and wondered if it was any good; it's less expensive than Bare Minerals, I think. It seemed that in the infomercials, they applied a lot of concealer beforehand, so I was wondering what the difference was from using liquid makeup and then powder to set. ?
I use Sheer Cover . .
They let me order only two times a year. They also break the payments into two payments. I was going to cancel, and they said I could get the kit without the face wash and moisturizer, so it's a pretty good deal. I like it very much.
You can cover dependents (but I think it's SM
pretty pricey) and office copays are $20.
WC does not cover CPS any longer. They sm
have determined that it is not caused by typing. Can you believe that?????
Take the cover off the litterbox.
/
|
