late pay and financial situation

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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!

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.

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?

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.

Michael: You've been missing a lot of work. Peter: I wouldn't really say I've been missing it.

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.

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.

Dozens killed in India terror attacks

There now are reports of as many as 80 people dead -- a number that is likely to rise -- in apparent terror attacks aimed at tourists and travelers in Mumbai, India.

Reuters is reporting that at least 250 people have been wounded in the attacks, which appear targeted at tourists. In addition, Indian television is reporting Westerners are being held hostage at at least two hotels. News networks and wire services are reporting there have been at least seven separate attacks in the city, largely at luxury hotels and restaurants.

"I heard some gunshots around 9:30. I was with my friends. Something hit me. I ran away and fell on the road. Then somebody picked me up. I have injuries below my shoulder," Reuters reporter Sourav Mishra said from a hospital bed, Reuters reported.

The Times of India reports there have been eight separate attacks, including a major terror strike at a large passenger railway station.

Our coverage is here.

(Television broadcast capture of a fire at the Oberoi hotel in Mumbia courtesy NDTV, via AP)

Update at 3:57 p.m. ET: According to the AP, gunmen are known to have attacked a major train station, a well-known restaurant, two luxury hotels and a police station. A previously unknown group calling itself "Deccan Mujahideen" has sent e-mail to news organizations claiming responsibility for the attacks, the Times of India is reporting. The AP now lists the death toll at 78. There are multiple reports that attacks are continuing.

I do the opposite, I offer a small discount when they pay within five days and in the past five years I have had my checks well within that time frame (usually 2 days) and never have had to ask for my check.

credit report. You may also get an "Intention to Foreclose" letter, which will scare the heck out of you. Those letters standardly go out the day after the 30 days passes.

I agree that your best bet would be to ask for one deferred payment. Some lenders will do that, but some are very hard-nosed and NEVER do it.

Will you be able to make your March payment before the end of March? If so, you should try to schedule both February's and March's payment to come out of your account on specific days . . . say, on March 2 (as you mentioned) and even March 31. That will keep you from getting another 30-day late.

Once you start to lag behind, it is soooo hard to catch up again. I'm hoping they let you defer a payment.

I recently had to leave a wonderful lady and I mean absolutely wonderful due to late payments. She had paid late several times over the last year. I had even changed my bill dates so that I could accomodate the usually no more than 5 days late that she consistently was with pay. Last month she was 6 days late, which would have been okay with me, except that I had an automatic payment come out the day before the pay was due to be DD (which I signed up for due to promise that pay would be on time this way). Fortunately I was paranoid and called my bank and was made aware of the problem, but I had to borrow from my niece, my 21-year-old niece!! HOW HUMILIATING!!! I told my very extremely wonderful MTSO that I could not work for her if she was late again. I also had it set up that all I needed was my August pay checks on time (meaning within the 5 day "grace period" I gave her) and the September 1st paycheck, then I was set to just put her checks into savings.

Well, that never happened. It did not occur to me that she would dare be late, but come August 21 I went to deposit a refund check from a Church camp as it was canceled due to fires, and the bank tells me that after depositing $220 that I was still short in my account! To make things worse, it was not my money that paid for the camp. I was depositing the refund check and then writing a check to my mom's Church as she had used her tithe money to pay for my girls to go to camp! I still was trying to be calm at this point and asked the MTSO what was going on, well supposedly she had sent me a check on the 7th of August. Funny thing is I did not even bill her until the 9th. First it was a certified check, then it was a money order, then it was sent on a different date.......... I could go on and on, but needless to say I had to quit. I cannot afford to work for free. I cannot afford to be late on my bills.

I stayed with this MTSO for so long despite late payments because I thought I new I would always get paid. We had a GREAT working relationship, except the pay, and I really wanted the long time IC, great reference that this provided me...... you know a real "feather in my cap" for my resume. I plan on going after my own accounts next year after saving a couple of months worth of bills. BUT, in the end I had to threaten legal action to even get what I was owed, and I was sick for several days because of how ......... well sick this made me to have to "burn" that bridge, and how sick it made me because I ended up having to get very, very ugly (which made me even more sick) in order to get more than "I will check into that and get back to you" on when I was going to get paid.

This is a touch situation that you are in and only you can make the final decision. I personally LOVE being an MT. I just have learned to not "put all my eggs into one basket." I work for a couple of companies, one a national and one an MTSO. I can get extra lines at both if desired. It can take a long time to find the right fit, so hang in there if you like being an MT. Of course, teaching is a very honorable and rewarding career choice too.

Please excuse any typos, tired, but felt it very important to respond to this one to let OP know she is not alone and there is hope.

This is the procedure I found for when you want to transfer glossary from one computer to another, I'm assuming you do not have access to the other computer:

You need only send your .glo files to the new computer through an email attachment, through floppy, jump drive or other media, and save to C:InstTextGlossary folder. Then open IT and finally, open the glossaries.

I am in Slidell which is on the north shore, but I know we are going to see extensive wind damage and who knows what else!

I want to talk about why so many MTSOs pay late. We have all read the posts about complaints of independent contractors receiving late payments. We have all read that some people feel these companies that pay late do not know how to manage the company. I would imagine that many of these late-paying companies have not received their payments from their accounts, and they themselves are waiting for their money, so that they have enough money in the bank to pay the contractors. I suspect that many of these companies do not pay late intentionally and maliciously. I think they have a problem with cash flow mainly because their accounts may be slow to pay. Many of these MTSOs probably do not have bank privileges to allow them to write checks to the ICs (while awaiting their payments). So what do we ICs do when this happens? Just be patient and understand this is the nature of the beast? We are at the mercy of the accounts and their payments to the MTSOs. What can the MTSOs do to improve their situation with cash flow? Some people post notes suggesting to quit, run the other way, and find a better-paying company. This is not always that easy to do. This seems an unfortunately typical problem. Doesn't the problem lie mainly with the hospitals and clinics themselves, who fail to pay on time to their MTSOs that serve them 24/7/375? Suggestions? Ideas?