Monday, January 31, 2011
Wednesday, August 18, 2010
Is this language what we call English?
I got an application for a job today. I just don't know what more to say. Here it is:
"I am xxxx xxxx from the India at Maharashtra. I am working in the Business transcription company as Operation Associate. In the XXXX systems pvt. Leading company in the business transcription. i have been two years experience.
I wish to serve with you...thanking please send me replay....Best regardsXXXX XXXX" I won't blame this candidate. It is time we think about our education system. This is just an example of what is seen almost every where and every day. The so called graduates
not able to even write a decent resume by themselves.The education institutions are meant for generating a good and capable generation. It starts right from the politicians (don't know if they really know the meaning and importance of Education). The educational institutes have the prime interest in profitability. Lastly, the teachers (with due respect to them).
The politician. He better be a politician and not interfere in the education as he is never educated enough to decide what students should be taught. He is normally educated in a field which is not wanted by the society (antisocial activities).
Educational Institutions. They sure need to see the profitability to survive. They are restricted by the politicians to recruit according to caste/creed and not by the brain or aptitude or knowledge base.
A teacher is a person who is the main source of how the next generation is going to be. A teacher should be the highest paid person and the best and/or an authority in the field he teaches. But the reality is the one who comes in the teaching line is the one who comes in this field as a last alternative.
The parents also need to think. Their duty is not just to give birth and blame others for not making their child a capable human being. The child is in the school for only 6-8 hours in a day. So he is with his parents for a longer period. The parent's prime need in life is money and not the future of their child. They live in a world where others are to make their child a good human being because they gave birth to that child. They teach the teachers how to teach their child. Not to scold them, not punish them even if they make mistakes, promote them to next level even if the child has not learned enough. All they want is a Degree embossed on their child's forehead.
The end result? Obviously what we see above.
Tuesday, August 17, 2010
Take care before you recruit anybody
I was surprised to get an E-mail today. Just putting it on the blog for all to know.
This is a Lookout Notice for Medical Transcriptionist named as G Sivarama Krishnan (S/o Gurumurthy). It has come to our attention that he is a professional cheater.
a. He was working in MT firm in Bangalore and has cheated nearly 1 Lakh rupees.
b. He was working in MT company in Vishakapatnam and has cheated for 40,000 rupees.
Please go to this link for a full information about him: https://sites.google.com/site/shivaramakrishnagurumurthy/
He is likely to approach your company for MT job. We request you to co-operate with us to trace this man. Any information about this man can be sent to tracekris@gmail.com
Please forward this email to your friends.
Wednesday, June 30, 2010
Saturday, April 10, 2010
WATCH THE WAY YOU APPROACH
You are judged from your approach
Yet another experience I had today. Had been planning to write about this for a long time. Once again today, I got very much disturbed with an incident. A fellow MT approached me for some home based work. Following is the way the chat proceeded. It is an ideal conversation to note things you should avoid.
Suddenly, without notice or introduction got an IM:
xxxx: HI
xxxx: Good afternoon
I said: hi
xxxx: One of my friends gave me ur idregarding medical transcription
xxxx: Sir do u outsource work
I said: yes, we do
*** approach without introducing who (he/she) was ***
xxxx: at what time the files are given
I said: mail me your details to X_X_X_X_X or fill up the details at http://outsourcedmtservices.com/career.php and I shall get back to you in my free time (clear but polite enough for a person to know that I was busy)
xxxx: Sir i will forwrd my CV to u
I said: yes pls (that was quite a polite answer from my side and I hope you will agree)
I said: who gave you this ID?
xxxx: Sir i was working in XXXXXXX
xxxx: and one my colllegues gave me
xxxx: and i am in search of work now
I said: colleague? Who?
xxxx: xxxx
I said: k
then what followed was:
xxxx: can i send through messenger my CV
I said: no, enter the room through a proper door not through windows
xxxx: ok no problem
xxxx: thanx a lot
xxxx: http://outsourcedmtservices.com/career.php on this right?
I said: sorry about it, but I don't like people jumping in through windows
xxxx: no problem sir
xxxx: a mistake is a mistake
I said: sure is
Please note that I am the employer and I am telling the proper way I wanted things to come with a cool head till now. But what followed was ........
xxxx: i will email u on this id yahoo messenger id
Session Close
This means right in the first visit I was given the impression that I was dealing with someone who will behave his/her own way and not the way the employer wants
after 8 mins another IM hit me
Session Start:
xxxx: sorry to disturb u again sir ...i have sent u my CV ..thanks
I said: k
Session Close
After a gap of about 1 hour again one IM hit me (after telling initially i was busy, it certainly was getting difficult now to maintain my mood)
Session Start :
xxxx: Sir can i talk to u for 2 mins
I said: what is it
xxxx: Sir for end to end what is the rates u offer
I said: one question follows the other, and that follows the next
I said: that is why I reply in my free time so that things are explained in one go
xxxx: which time is preferable
It was this time that I decided to talk crudely in a language which I hoped he/she would understand
xxxx: that all i have given u in detail u dint receive my email yet
I said: yes, so you want everything right now
I said: I get the feeling that you have employed me and I am answerable when you wish
xxxx: u r misunderstanding
xxxx: i know u were in Mapro
I said: no
I said: that is a wrong info you have
I said: you expect me to satisfy all your querries at the click of a button as though I have no other work than that
xxxx: I have worked for many people many big companies still working but even the boss of that comany does not reply so rudely anyways...
xxxx: if u dont want me to ask ok
xxxx: thanks for spending so much time
xxxx: 2 minutes
see the nature, I am not supposed to feel offended and I am not supposed to lose my sense even if the applicant keeps nagging me even after telling him nicely. But when I speak bluntly then I become rude.
So fellow colleagues think about it. Please give a thought and keep your approach so that the other person should like you and not hate you.
It is very rightly said IF YOU GIVE REPECT THEN YOU ARE BOUND TO GET RESPECT.
To be frank, it was almost like a terrorist attack. Some terrorist just breaks into my privacy (room) without knocking, without introducing himself and then he is the boss of my room not me, and I am supposed to do as he wants me to and that I do not have any choice.
Yet another experience I had today. Had been planning to write about this for a long time. Once again today, I got very much disturbed with an incident. A fellow MT approached me for some home based work. Following is the way the chat proceeded. It is an ideal conversation to note things you should avoid.
Suddenly, without notice or introduction got an IM:
xxxx: HI
xxxx: Good afternoon
I said: hi
xxxx: One of my friends gave me ur idregarding medical transcription
xxxx: Sir do u outsource work
I said: yes, we do
*** approach without introducing who (he/she) was ***
xxxx: at what time the files are given
I said: mail me your details to X_X_X_X_X or fill up the details at http://outsourcedmtservices.com/career.php and I shall get back to you in my free time (clear but polite enough for a person to know that I was busy)
xxxx: Sir i will forwrd my CV to u
I said: yes pls (that was quite a polite answer from my side and I hope you will agree)
I said: who gave you this ID?
xxxx: Sir i was working in XXXXXXX
xxxx: and one my colllegues gave me
xxxx: and i am in search of work now
I said: colleague? Who?
xxxx: xxxx
I said: k
then what followed was:
xxxx: can i send through messenger my CV
I said: no, enter the room through a proper door not through windows
xxxx: ok no problem
xxxx: thanx a lot
xxxx: http://outsourcedmtservices.com/career.php on this right?
I said: sorry about it, but I don't like people jumping in through windows
xxxx: no problem sir
xxxx: a mistake is a mistake
I said: sure is
Please note that I am the employer and I am telling the proper way I wanted things to come with a cool head till now. But what followed was ........
xxxx: i will email u on this id yahoo messenger id
Session Close
This means right in the first visit I was given the impression that I was dealing with someone who will behave his/her own way and not the way the employer wants
after 8 mins another IM hit me
Session Start:
xxxx: sorry to disturb u again sir ...i have sent u my CV ..thanks
I said: k
Session Close
After a gap of about 1 hour again one IM hit me (after telling initially i was busy, it certainly was getting difficult now to maintain my mood)
Session Start :
xxxx: Sir can i talk to u for 2 mins
I said: what is it
xxxx: Sir for end to end what is the rates u offer
I said: one question follows the other, and that follows the next
I said: that is why I reply in my free time so that things are explained in one go
xxxx: which time is preferable
It was this time that I decided to talk crudely in a language which I hoped he/she would understand
xxxx: that all i have given u in detail u dint receive my email yet
I said: yes, so you want everything right now
I said: I get the feeling that you have employed me and I am answerable when you wish
xxxx: u r misunderstanding
xxxx: i know u were in Mapro
I said: no
I said: that is a wrong info you have
I said: you expect me to satisfy all your querries at the click of a button as though I have no other work than that
xxxx: I have worked for many people many big companies still working but even the boss of that comany does not reply so rudely anyways...
xxxx: if u dont want me to ask ok
xxxx: thanks for spending so much time
xxxx: 2 minutes
see the nature, I am not supposed to feel offended and I am not supposed to lose my sense even if the applicant keeps nagging me even after telling him nicely. But when I speak bluntly then I become rude.
So fellow colleagues think about it. Please give a thought and keep your approach so that the other person should like you and not hate you.
It is very rightly said IF YOU GIVE REPECT THEN YOU ARE BOUND TO GET RESPECT.
To be frank, it was almost like a terrorist attack. Some terrorist just breaks into my privacy (room) without knocking, without introducing himself and then he is the boss of my room not me, and I am supposed to do as he wants me to and that I do not have any choice.
Monday, April 5, 2010
Thursday, March 25, 2010
Summary of Healthcare Bill Passed in US - 2010
On March 21, the House passed the Senate bill, originally passed by the Senate in December. The bill was then sent to the President for his signature. Immediately after that vote was taken, the House passed changes to the Senate passed bill known the "Budget Reconciliation" bill (H.R.4872) by a vote of 220 to 211. The Senate will now consider this package of changes this week, which will shape the final outcome of the healthcare reform program.
This healthcare bill is a comprehensive overhaul bill that increases coverage to 94% of Americans and makes sweeping changes to our current healthcare system. There are new provisions in the bill for both individuals and employers. Although the bill is comprehensive, we address the changes that will affect small employers and their employees.
Individual Requirements:
The bill requires all U.S. citizens to obtain the minimum essential coverage or pay a penalty of $95 in 2014, $325 in 2015, $695 in 2016 and $750 in 2017 and indexed thereafter. There will be a penalty cap of $2,250 per family.
Exemptions to the penalty will be granted for financial hardship, religious objections, and those with income below the tax filing threshold (in 2009 the threshold for taxpayers under age 65 was $9,350 for singles and $18,700 for couples).
Beginning in 2018, there will be a 40% excise tax on individual high-cost health plans costing more than $10,200 for individuals and $27,500 for families.
Employer Requirements:
Employers under 50 employees:
Exempt from required coverage and penalties.
Employers more than 50 employees who do not offer coverage:
Employers with over 50 employees that do not offer healthcare coverage will be required to pay a fee of $2000 per total number of full-time employees if they have at least one full-time employee receiving a tax credit for premium assistance. There is a transition provision that exempts 30 employees from the total number of full-time employees for purposes of this calculation.
Employers with over 50 employees who offer healthcare coverage:
Employers with over 50 employees who offer healthcare coverage must pay at least 60% of their employees’ premiums or employee premiums payments cannot exceed 9.5% or more of their income to avoid fees. Fees may be imposed at the rate of $3,000 per employee who receives a tax credit for premium assistance.
How does an employee qualify for a premium assistance?
• An individual is eligible to receive a tax credit for premium assistance if their employer pays less than 60% of the premium cost or if the employee share of the premium exceeds 9.5% of their income.
Employers more than 200 employees:
Employers with 200 or more employees will be required to automatically enroll new full-time employees in coverage.
Insurance Market Reforms:
Beginning in 2014, the bill puts in place reforms to the current small group insurance market and changes the way insurers determine eligibility. In addition, there will be a “market shift” to pool the self-employed, non-profits and small businesses into the same group under new marketplaces called exchanges.
These market reforms include:
New Marketplaces to Shop for Healthcare Coverage:
By 2014, all 50 states will be required to establish state-based exchanges. These state-based exchanges, or marketplaces will be offered to employees of small businesses, the self-employed and individuals.
These pools will be run by states. States may form regional exchanges or allow more than one exchange to operate in a state.
These state-based exchanges will also include private insurance plans, multi-state health plans, and Consumer Operated and Oriented Plans (CO-OPs). There will be no public option, however, each state exchange will be required to offer at least two multi-state health plans negotiated by Office of Personnel Management (OPM). CO-OPs are non-profit, member driven and owned health insurance issuers that will offer plans through the exchanges.
Small Business Eligibility for the Exchanges:
Individuals, the self-employed and small businesses up to 100 full-time employees will be eligible to obtain coverage through state exchanges. However, before 2016, a state may limit pool to businesses up to 50 employees. Beginning in 2017, the state exchanges will expand to small businesses more than 100 employees.
It is important to note that small employers eligible to obtain coverage in an exchange who grow beyond the employee limit will continue to be treated as a small employer and eligible to participate in their qualified health plan until the employer decides not to enroll in that plan.
Benefits Under the Exchanges:
The exchanges will include private insurers that offer four benefit categories of qualified health plans. The four levels of coverage for benefits will be: bronze, silver, gold and platinum.
• Benefit levels include:
Bronze plan covers 60% of the benefit costs of the plan
Silver plan covers 70% of the benefit costs of the plan
Gold plan covers 80% of the benefit costs of the plan
Platinum plan covers 90% of the benefit costs of the plan
• All insurance plans in the exchanges must include these services: ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services, including oral and vision care.
Increased Coverage Options:
The bill will establish simple cafeteria plans to allow small employers and the self-employed to offer tax-free benefits.
Employers who offer insurance but not through the exchanges will be required to offer “free choice vouchers” to employees to purchase coverage through the exchanges.
Assistance to Small Businesses to Reduce Coverage Costs: Tax Credits
The bill contains small business tax credits to help offset the cost of providing healthcare coverage to employees.
Starting in 2010, a three-year small business tax credit will be available to businesses up to 25 employees and average wages below $50,000. The full tax credit, 35% of the employer’s contribution toward the employee’s health insurance premium, would be available to small businesses with 10 or fewer employees with average wages below $25,000. Employers must contribute at least 50% of the total premium cost to be eligible for a tax credit.
In 2014, a tax credit will be available to businesses up to 25 employees and average wages below $50,000 who purchase health coverage for their employees through state exchanges. The maximum allowable tax credit will increase to 50% of the employer’s contribution, if the employer contributes at least 50% of the total premium cost.
The employer would cover the premium costs for their employees during the year and receive the tax credit at the end of the year when filing income taxes.
These small business tax credits will be applicable to tax exempt small businesses, 501(c)(3)s (i.e. charitable organizations), but the maximum credit will be limited to 25% of the employer’s contribution toward the employee’s health insurance premium in 2010-2013, and will increase to 35% in 2014.
This healthcare bill is a comprehensive overhaul bill that increases coverage to 94% of Americans and makes sweeping changes to our current healthcare system. There are new provisions in the bill for both individuals and employers. Although the bill is comprehensive, we address the changes that will affect small employers and their employees.
Individual Requirements:
The bill requires all U.S. citizens to obtain the minimum essential coverage or pay a penalty of $95 in 2014, $325 in 2015, $695 in 2016 and $750 in 2017 and indexed thereafter. There will be a penalty cap of $2,250 per family.
Exemptions to the penalty will be granted for financial hardship, religious objections, and those with income below the tax filing threshold (in 2009 the threshold for taxpayers under age 65 was $9,350 for singles and $18,700 for couples).
Beginning in 2018, there will be a 40% excise tax on individual high-cost health plans costing more than $10,200 for individuals and $27,500 for families.
Employer Requirements:
Employers under 50 employees:
Exempt from required coverage and penalties.
Employers more than 50 employees who do not offer coverage:
Employers with over 50 employees that do not offer healthcare coverage will be required to pay a fee of $2000 per total number of full-time employees if they have at least one full-time employee receiving a tax credit for premium assistance. There is a transition provision that exempts 30 employees from the total number of full-time employees for purposes of this calculation.
Employers with over 50 employees who offer healthcare coverage:
Employers with over 50 employees who offer healthcare coverage must pay at least 60% of their employees’ premiums or employee premiums payments cannot exceed 9.5% or more of their income to avoid fees. Fees may be imposed at the rate of $3,000 per employee who receives a tax credit for premium assistance.
How does an employee qualify for a premium assistance?
• An individual is eligible to receive a tax credit for premium assistance if their employer pays less than 60% of the premium cost or if the employee share of the premium exceeds 9.5% of their income.
Employers more than 200 employees:
Employers with 200 or more employees will be required to automatically enroll new full-time employees in coverage.
Insurance Market Reforms:
Beginning in 2014, the bill puts in place reforms to the current small group insurance market and changes the way insurers determine eligibility. In addition, there will be a “market shift” to pool the self-employed, non-profits and small businesses into the same group under new marketplaces called exchanges.
These market reforms include:
- Individuals and small businesses will be guaranteed health coverage and will have the ability to renew coverage annually
- Prohibits insurers from basing eligibility on: pre-existing conditions, health status, medical condition, claims experience, receipt of health care, medical history, genetic information, disability, and evidence of insurability
- Prohibits lifetime or annual limits on benefits
- Prohibits deductibles greater than $2,000 for individuals and $4,000 for families
- Requires insurers to expend no less than 85% on medical coverage
- Coverage for non-dependent children up to age 26
New Marketplaces to Shop for Healthcare Coverage:
By 2014, all 50 states will be required to establish state-based exchanges. These state-based exchanges, or marketplaces will be offered to employees of small businesses, the self-employed and individuals.
These pools will be run by states. States may form regional exchanges or allow more than one exchange to operate in a state.
These state-based exchanges will also include private insurance plans, multi-state health plans, and Consumer Operated and Oriented Plans (CO-OPs). There will be no public option, however, each state exchange will be required to offer at least two multi-state health plans negotiated by Office of Personnel Management (OPM). CO-OPs are non-profit, member driven and owned health insurance issuers that will offer plans through the exchanges.
Small Business Eligibility for the Exchanges:
Individuals, the self-employed and small businesses up to 100 full-time employees will be eligible to obtain coverage through state exchanges. However, before 2016, a state may limit pool to businesses up to 50 employees. Beginning in 2017, the state exchanges will expand to small businesses more than 100 employees.
It is important to note that small employers eligible to obtain coverage in an exchange who grow beyond the employee limit will continue to be treated as a small employer and eligible to participate in their qualified health plan until the employer decides not to enroll in that plan.
Benefits Under the Exchanges:
The exchanges will include private insurers that offer four benefit categories of qualified health plans. The four levels of coverage for benefits will be: bronze, silver, gold and platinum.
• Benefit levels include:
Bronze plan covers 60% of the benefit costs of the plan
Silver plan covers 70% of the benefit costs of the plan
Gold plan covers 80% of the benefit costs of the plan
Platinum plan covers 90% of the benefit costs of the plan
• All insurance plans in the exchanges must include these services: ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services, including oral and vision care.
Increased Coverage Options:
The bill will establish simple cafeteria plans to allow small employers and the self-employed to offer tax-free benefits.
Employers who offer insurance but not through the exchanges will be required to offer “free choice vouchers” to employees to purchase coverage through the exchanges.
Assistance to Small Businesses to Reduce Coverage Costs: Tax Credits
The bill contains small business tax credits to help offset the cost of providing healthcare coverage to employees.
Starting in 2010, a three-year small business tax credit will be available to businesses up to 25 employees and average wages below $50,000. The full tax credit, 35% of the employer’s contribution toward the employee’s health insurance premium, would be available to small businesses with 10 or fewer employees with average wages below $25,000. Employers must contribute at least 50% of the total premium cost to be eligible for a tax credit.
In 2014, a tax credit will be available to businesses up to 25 employees and average wages below $50,000 who purchase health coverage for their employees through state exchanges. The maximum allowable tax credit will increase to 50% of the employer’s contribution, if the employer contributes at least 50% of the total premium cost.
The employer would cover the premium costs for their employees during the year and receive the tax credit at the end of the year when filing income taxes.
These small business tax credits will be applicable to tax exempt small businesses, 501(c)(3)s (i.e. charitable organizations), but the maximum credit will be limited to 25% of the employer’s contribution toward the employee’s health insurance premium in 2010-2013, and will increase to 35% in 2014.
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