I am canceling my contract after one week

Medic15251 · Apr 19, 2007

Not quite. Really bad things happen to people sometimes. And the OP is right, it isn't cool to assail someone else's character when you don't know the person or all the details of the person's circumstances. How do you know that the OP doesn't live on a budget? And how do you know that she has consumer debt?

nurseguy-

I just think people should own up to their mistakes and not put the blame on someone else. And to answer your question about the budget and consumer debt, the OP has stated that she could not pay $200 to fix a car. Car maintenance should be part of a monthly budget. Therefore, she is not using a budget at least not correctly anyway.

Let me know if I can explain anything else for you;)

CRNI-ICU20 · Apr 26, 2007

lmessajumper vbmenu_register("postmenu_2149440", true); ,

my heart goes out to you....you have been through some real rough waters lately, eh?

i am glad you posted your experience so that some of us who are fledglings ready to fly, won't get our feathers ripped out by greedy unscrupulous companies....seems to me that since you had an established relationship with this company from a previous assignment, they could have helped you out a little....after all, they do make money off of every traveler....hospitals don't just pay the contract....they also pay the company who supplys the traveler....so it isn't like that company didn't have some benefit from having you on board....

some people/companies are just not friendly or humane....they are just about money.....or self importance and power....

it sounds to me like you were very diligent and mature in your decisions to do all you could under the circumstances to keep your end of the bargain....don't beat yourself up about this....it 's okay to step back....

something else will come along, you'll see....

thinking of you,

crni

Lisa CCU RN, RN · Apr 26, 2007

nurseguy-
I just think people should own up to their mistakes and not put the blame on someone else. And to answer your question about the budget and consumer debt, the OP has stated that she could not pay $200 to fix a car. Car maintenance should be part of a monthly budget. Therefore, she is not using a budget at least not correctly anyway.
Let me know if I can explain anything else for you;)

Geez, is there a class on how to be extra judgemental?

I hope someone has mercy on you if you ever fall on hard times.

Ok, you say have 3-6 months of an emergency fund, live on a budget, etc, etc. Ok, what if tradgedy strikes and it lasts longer than 6 months?

Some stated before that is isn't the agencies responsibilty to be concerned about her getting her car fixed. you know what, they are right. As HUMAN BEINGS, we SHOULD be concerned though. I will never for the life of me understand where simple kindness and understanding had disappeared to.

Katrina was a HORRIBLE thing that wiped out 1000's of people's life savings, homes, and overall destroyed their lives.

Hello, major castastophe= monthly budget OUT THE DOOR.

I love people who have NEVER had a hardship in their life who judge others and NEVER lift a finger to help or at the very least offer a kind word.

Is there anything about that I can explain?

Lisa CCU RN, RN · Apr 26, 2007

To the OP, I wish I'd known of your ordeal earlier. I have $200 I have to pay forward to someone who needs it because someone from this website actually helped me out and I wouldn't be in nursing school if it hadn't been for them.

Myxel67 · Apr 26, 2007

To Medic 15251:

Many working people in this country are only 2 to three paychecks from being homeless. Even more live paycheck to paycheck. Add to that a catastrophic event such as Hurricane Katrina, and you have a seemingly insurmountable problem. Just before I started nursing school, our house was destroyed by Hurricane Andrew. Thanks to the help of friends, family, community, and good insurance coverage, we were able to recover. But it takes time and is tremendously stressful. Be thankful that you have an emergency fund and pray that you are never confronted with an emergency that lasts longer than those funds.

Just remember what they say about walking a mile in the other person's moccasins before you judge.

Medic15251 · Apr 26, 2007

CRNASOMEDAY25

Ok, you say have 3-6 months of an emergency fund, live on a budget, etc, etc. Ok, what if tradgedy strikes and it lasts longer than 6 months?

I'm glad you asked. Basically, for me, an EF is to cover a period of unemployment or an unpredicted cost. I can't think of an emergency that might come up that would last longer than 6 months. If I lost my job today, I'm quite confident I could find another within a week. I have insurance to cover any other need that might come up.

Myxel

Thanks to the help of friends, family, community, and good insurance coverage, we were able to recover.

My point exactly. I pointed out in a previous post how important good insurance coverage was.

Lisa CCU RN, RN · Apr 26, 2007

CRNASOMEDAY25
I'm glad you asked. Basically, for me, an EF is to cover a period of unemployment or an unpredicted cost. I can't think of an emergency that might come up that would last longer than 6 months. If I lost my job today, I'm quite confident I could find another within a week. I have insurance to cover any other need that might come up.
QUOTE]
I can think of one. Major illness. Here's another. Death.
I am not sure I'll comment any further. You don't seem to realize that every employer does not offer adequate insurance coverage, if any at all.
When I used to work as a CNA, they offered us no kind of benefits whosoever, not even insurance. So, if something bad happened to me while I was doing that, I'd have been screwed. That's why I'm back in school now, but it could have been all over for me at any time.

Medic15251 · Apr 26, 2007

CRNASOMEDAY:

I can think of one. Major illness. Here's another. Death.
I am not sure I'll comment any further. You don't seem to realize that every employer does not offer adequate insurance coverage, if any at all.

Lets look at your statement and examine why it is wrong.

Beyond my EF I have term life insurance in the event of my death. Life insurance is designed to replace my income for any survivors. I have $600,000 in term life. Basically, my wife could invest it in mutual funds and replace my income by drawing the interest it earns each year.

In the event of a major illness I have health insurance. And in fact I do realize that not every employer offers adequate insurance. I myself didn't like my employers insurance coverage, so I bought insurance from a broker. I pay $40 a month for full coverage health insurance. It's a high deductible plan ($5000). I rarely ever go to the doctor. In the event of a major illness, I would be responsible for $5000 then the insurance pays 100% up to $500,000.

This was the whole point I was trying to make in my previous posts. Bad things are going to happen in life. It's all about how you have planned for them and how you react. As for me, I feel more comfortable being ready for them rather than blaming someone else (for instance a travel company!) when they happen.

If you can think of any more for instances I would LOVE to explain to you how I would handle them.

CRNI-ICU20 · Apr 27, 2007

medic15251 vbmenu_register("postmenu_2176628", true); ,

while you have planned well for your self, it isn't a cardinal sin to judge another person for not following your 12-step-program-to-success.

some people have enough to buy a loaf of bread....and when they have to choose between feeding their kids and buying a term life insurance policy, they don't look in their kids' eyes and say, "well, we'll all go hungry tonight kids...but by golly! if i die, there's a big fat check at the end of the funeral dirge!"

many who have suffered the devastation of katrina will never recover from their losses....they are starting all over....the insurance companies, ie state farm, for one, has refused to pay for losses, and are now being investigated and sued by the attorney general's office of louisiana and misssissippi for witholding payouts due.....so you see, even the ones who planned still didn't recieve what they paid out for....insurance is only as good as the company that stands behind it...and for many, who are disenfranchised, displaced, homeless, jobless, (because now, there are only about five hospitals that are functioning in the new orleans area as opposed to ten beyond that) and have no vehicle, no clothes, etc...because an f-5 hurricane destroyed it all....how in the name of humanity can you level such criticism toward someone who lived through one of the worst catastrophes of modern history??

how wonderful for you and your wife that you have financially planned yourselves into the next century....but some of us here have survived some devasting things that have taken even the very shirts from our backs....i don't think one can myopically compare your situation to the others here who are struggling to get by.

it doesn't mean that we are poor money managers, or irresponsible, or foolish.....it means we have been hit with f-5 hurricanes, devastating divorces that wiped us out completely, foreclosures, chronic or debilitating illnesses, death of spouse, child, or parent, or accidents due to the carelessness of drunk drivers, or rogue elephants!

there but for the grace of god.....ya know??

CRNI-ICU20 · Apr 27, 2007

ahem...clarification:

I meant to say that it isn't a cardinal sin to not follow your 12 step program to success.....my bad!!

Lisa CCU RN, RN · Apr 27, 2007

medic15251 vbmenu_register("postmenu_2176628", true); ,
while you have planned well for your self, it isn't a cardinal sin to judge another person for not following your 12-step-program-to-success.
some people have enough to buy a loaf of bread....and when they have to choose between feeding their kids and buying a term life insurance policy, they don't look in their kids' eyes and say, "well, we'll all go hungry tonight kids...but by golly! if i die, there's a big fat check at the end of the funeral dirge!"
many who have suffered the devastation of katrina will never recover from their losses....they are starting all over....the insurance companies, ie state farm, for one, has refused to pay for losses, and are now being investigated and sued by the attorney general's office of louisiana and misssissippi for witholding payouts due.....so you see, even the ones who planned still didn't recieve what they paid out for....insurance is only as good as the company that stands behind it...and for many, who are disenfranchised, displaced, homeless, jobless, (because now, there are only about five hospitals that are functioning in the new orleans area as opposed to ten beyond that) and have no vehicle, no clothes, etc...because an f-5 hurricane destroyed it all....how in the name of humanity can you level such criticism toward someone who lived through one of the worst catastrophes of modern history??
how wonderful for you and your wife that you have financially planned yourselves into the next century....but some of us here have survived some devasting things that have taken even the very shirts from our backs....i don't think one can myopically compare your situation to the others here who are struggling to get by.
it doesn't mean that we are poor money managers, or irresponsible, or foolish.....it means we have been hit with f-5 hurricanes, devastating divorces that wiped us out completely, foreclosures, chronic or debilitating illnesses, death of spouse, child, or parent, or accidents due to the carelessness of drunk drivers, or rogue elephants!
there but for the grace of god.....ya know??

exactly. thank you for saying this, i couldn't have said it better.

insurance is only good if you have money to pay for it at the end of the month, and like the above poster said, there are always situations where insurance companies will play cheap. think about it, a lot of people came running to cash in after katrina and of course the insurance company drags its feet.

oh, yeah, and what about those medical conditions that the insurance company decides they don't cover or what if the $500,000 you have in medical coverage is all maxed out?

and don't forget that suicide isn't covered by insurance companies, and when many couples get divorced, the spouse somehow starts to not give a crap about the other spouses financial situation and stops paying for the insurance.

so, there are times when the best laid plans fall apart.

Medic15251 · Apr 27, 2007

cnasomeday and crni:

I'm getting bored with this, but here goes:

Insurance is only good if you have money to pay for it at the end of the month,

With a proper budget you should! Try cutting the lattes at starbucks and boom there is your health insurance premium for the month. Cut out HBO and there's your life insurance.

And don't forget that suicide isn't covered by insurance companies

I'm not even going to justify this with an answer

and when many couples get divorced ...

Actually, money issues are the leading cause of divorce in north america. So, live on a budget and plan ahead and you greatly reduce your chance of divorce

to choose between feeding their kids and buying a term life insurance

Obviously the basics like food, shelter, and transportation come first. You should have learned that in 4th grade . Beyond that would be savings and insurance. Term life insurance is cheap if you are semi healthy and don't smoke. My yearly premium is $300 for $600k

how in the name of humanity can you level such criticism toward someone who lived through one of the worst catastrophes of modern history??

I'm not, my position is simply this: regardless of any other details, it is not the travel companies responsibility to pay to have the OP's car fixed. And this is not a reason to break a contract that the OP committed to

I don't think one can myopically compare your situation to the others here who are struggling to get by.

Right, you can't compare apples and oranges. I can't be compared to someone who is struggling to get by, because I have taken deliberate actions to not put myself in that situation