Health “Care” Don’t CARE

insurancelottoThis is going to be a rant and for those who don’t agree with my views here can just keep the little opinions to themselves. Unless you have a way to combat the situation I am in, don’t tell me I am wrong about the way I view insurance in this country and my states ability to figure the stuff out. I am not, nor will I ever be, a politician.

 

Here’s the thing. Obama “Care”, in theory, is okay I suppose. But it lacks all of the loopholes and what-ifs criteria or knowledge to keep it going or to have ever been rolled out in the first place. Sure, we all want free healthcare. Who doesn’t want free stuff? Here’s the thing. I don’t care how bad you are at Math, free doesn’t add up any kind of way when you are talking about healthcare. NONE!!  People need to understand that if there is something they are getting for free, it’s only free to them because somewhere someone is working their butts off to pay for it. That may be in the form of taxes, donations, or just anything else you can think of that one would use to fund programs which help sick people.  But it isn’t free.

 

So in my fine state of Alabama, the Republicans fought the whole Obamacare thing tooth and nail and they won. But still, its people lost.  We lose every day.  The Alabama Republican party said they won’t raise Medicaid to cover the ones living in poverty. No, in fact, they would like to take more away from Medicaid and Medicare. But they think that by us not expanding our Medicaid then we aren’t on the Obama”Care” bandwagon.

 

That would be fine and dandy you would think. But no, instead it is worse. Worse than worse. Worse than most other states in these United States of America. Let me tell you what the insurance company does.

insurance

So Blue Cross says their rates are going to skyrocket because of Obama “care” and because of all of the preventative services that they are now going to have to cover free of charge. Not only will your rates go up, but so will your deductible and out of pocket costs.

 

Here is a breakdown of how this goes down and you tell me that it shouldn’t be illegal to do people this way and I will tell you what I think about you.

 

My BCBS Bronze level Family plan which is provided to me through my husband’s employer who pays an estimated $800/month for the premium doesn’t cover diddly squat. Nothing, I mean NOTHING, is free. Not even preventative. Last time I checked, colonoscopy’s were preventative procedures, but not anymore apparently.

 

I go to the doctor more than most people. I take more medications than most people. And if you have been keeping up with me, I am clumsier than most people as well. This makes for a fairly hefty dollar amount of bills for my needed health care.

 

It is now. At a minimum, I have been to some doctor somewhere at least once a month, usually far more than that. So imagine my surprise when I found out that I still owe nearly $12,000 of my deductible. We were told in the beginning that our deductible was $14,000 for the two of us. Now I am learning that it is more like $20,000. The break down on that is $14k for me and $6k for my husband.

So even with those high deductibles, I was under the impression that I should be nearing the end of that given my frequent flyer miles. Again, wrong. Wrong again! You see, the insurance companies have it rigged to where you will NEVER go anywhere near your deductible. They do this clever thing.

deductible

Let me explain:  If you have ever looked at a statement from BCBS You will see where they tell the providers that they only approve for certain procedures to be billed out at x dollar amount rates. Then the rest is between you and your doctor. They can either bill you the difference or they can just change the charges to only bill for what the insurance company approves. But here is another catch, unless you have met your $20k deductible, you will be being billed no matter what. So now, not only is your health probably in the gutter but so is your credit.

And here’s another kicker, those discounted rates that you think are the only thing that saves BCBS a little face are really the devil in disguise. They have them discounted down so that you will NEVER reach that asinine deductible which would be when they actually start to pay a little bit of your health care. It really should be illegal.

 

Just this week I got a letter in the mail that they will no longer cover Methotrexate along with other medications I require. They don’t have a reason why it is just not going to be covered. So bam, there goes my little life. This methotrexate keeps me alive people. It keeps me from killing myself. Not in a suicidal way, but physically, That’s what autoimmune disease does. Methotrexate is supposed to be a medicine used to stop your body from thinking that your immune system should be battling it out with the rest of your body.

So I could go on and on and on and on about this because there is more. But it is bed time. And I have worked myself into another tizzy being mad about this. It is just such a hopeless feeling.  Your body is crapping out on you, you break a foot, you can’t afford to fix it, and NOBODY cares! Amazingly the word “care” is included in almost every phrase you can think of when it comes to health care today…  Ironically, NOBODY CARES!

 

Footloose, NOT Fancy or Free

I haven’t been able to do a blog lately. This week or two has been plum pitiful. On all fronts.  IMG_4311.JPG
I think the last time I wrote I was writing about bleacher butt and I told ya’ll about how my son tore his UCL. Well, he has been doing therapy and is getting much much better. The first week of therapy was last week.
Last week started off with the entire Hallman clan coming down with what I thought was a stomach virus on Monday. By Tuesday everyone else felt okay and Bryant, my youngest, was worse. He started running a fever that would not respond to Tylenol or ibuprofen. So off to the ER we go with him. They thought it may be strep, but he didn’t test positive, so that was ruled out. So we get a breathing treatment in the hospital along with antibiotics and steroids. We get sent home with the same. He is supposed to be able to return to school on Thursday but he wasn’t because he hadn’t yet been 24 hours without a fever.
So, it’s Thursday and things are looking up because he is back to his somewhat normal self and plans to go to school tomorrow. Over the course of everyone being sick and me off and on convincing myself that I too am sick I have lost a considerable amount of much needed hours of work. Not only is it much needed because I am getting behind on my daily basic job duties but because I am also missing out on hours I need to be paid.

stuntin
As you know I work from home. I also have chronic pain that I deal with all of the time. This week was no different than any other week when it comes to pain level. I had a makeshift desk set up in the recliner in my room which I would sit in with my little lap desk and peck away on this laptop until I decided it was time for a break. Well, for whatever reason, that day I felt like setting this lap desk on the floor in front of my bed and it would be fine. For most people, it would have. IMG_4348
For my extremely forgetful, excessively clumsy self, it was a recipe for destruction. Sometime after Greys Anatomy was over I decided to hop out of bed and high tale it over towards the closet. To this day, I have no idea what I was going to look for. Not one. All I do know is that after my left foot hit that lap desk and bent in places feet are not meant to bend I blacked out and when I came to I hurt all over. Mostly my left foot which is already riddled with rheumatoid arthritis and bunions and traits that make me look like I am walking on Leggo’s for the first few steps that I go anywhere after sitting for a while.
This same left foot has made its debut on my blog before for its ability to turn green when it isn’t the perfect degree of not too hot, not too cold. This foot has now taken on a different color. Black, blue, and a little red, oh, and A LOT swollen.IMG_4347

I can’t imagine what my whole falling incident looked like to my husband who was sitting on the bed at the time of tumble, but I guess it was a laughable moment for him. I will laugh about that now, but at the time, it was a lot of things but funny wasn’t one of them.  If I could’ve gotten up, I would’ve knocked him out.
But see, it’s hard to get up when A) Your left foot doesn’t work at all, B) Your three loving (obviously more than my husband at this time) dogs are worried about you and they are all crowding around you trying to help. C) The throbbing and constant pain you are in combined with the disgust you have for yourself for being clumsy enough to allow this to happen causes you to hyperventilate. Full on, sweat, can’t breathe, can’t-do` anything! I was finally able to get myself up from the floor with the help of my husband and lie down on the bed while he took a shower and I tried to calm myself down.
It was at this time that I knew that the only thing that would help me was a prescription drug of some sort to take the edge off of the pain. So back to the ER goes another Hallman.

IMG_4305
After a shot of Toradol I was sent to x-ray and when I told the ER doc that I have MCTD and RA with the worst of the RA being in my feet he came back into the room and gave me a shot of Morphine. He tells me that he believes I have a Lisfranc tear and I need to see ortho first thing in the morning.
So by the time I get home and bathe and try to find any sort of comfortable position to sleep I have almost been awake now long enough to watch the sun come up. Finally, I slept. I got up Friday and got into the ortho who told me that I have two places that are clean breaks and another that is cracked. He’s worried about my Lisfranc and possibly a ligament in my ankle but can’t even attempt to check on them until my bones have somewhat healed.

th
Each passing day deems my foot blacker and blacker and my body wore and worse.

There is NO relief to be found. There is no comfortable position. I am mad, sad, aggravated that along with all the other BS I go through daily with regards to pain, I still needed to bust my butt and add to that pain with some more pain.

IMG_4311.JPG

I’m Good, How are You?

I’m Good, How are You?

It is something we all say every day. Someone asks, “how are you doing?” And I almost always say, “I’m good, how are you?” And as those words are coming out of my mouth I always think to myself, why are you saying this. You aren’t good, you’re a wreck. You hurt ALL the time, the medicine sucks, you want to do things that you can’t, you’re down on yourself because of that, you don’t sleep good, you’re just plain out not good.howudoing

 

So why do we ask people? Why do we take their reply of “good” as truth? Most of the time the questioner already knows you are involved in some type of battle if you indeed are. But when we say we are good the conversation moves on. Or if it is brief in nature a simple “good, so nice seeing you”. And you both move on.

 

Sometimes I change my reply up because I am simply sick of telling people that I am fine when I am NOT.  Let me tell you when you unload all of the details of why you’re not fine the look on the other persons face is always like a deer in the headlights. The result of this is that we feel like raging idiots for having just dropped all of that out of our mouths.

 

I think we need to try to get out of our feelings one minute and the next I want to shout it from the highest building. Silent sufferers be silent no more. Enough is enough, ROAR!!! We should do that but we don’t.

 

painInstead, we turn to WordPress or the like and become avid writers in hopes to get some things off of our chest. We also want to search for someone else who is suffering the same way that you are. We want validation that we aren’t crazy. This is another side effect of disease or medications.

I think it is a great way to do this. But even then, times get low. Your readers aren’t reading, you have no new followers, you aren’t even interesting anymore. -Maybe. Or maybe life just gets in the way.

This past week has been filled with life getting in the way of writing. Work, being Mom and caring for my son who has injured his arm. He pulled his UCL. It is torn slap in two.

 

As of now, he won’t require surgery. They say that because he isn’t a pitcher or a quarterback, he won’t need his UCL. He is going to do rehab to learn to use the other muscles to compensate for the broken ligament.

 

I understand what they are saying. I realize surgery usually causes more damage in the long run. I have had ligaments repaired myself. I don’t wish that pain on anyone, especially my son. But don’t tell me that because he isn’t the QB or a pitcher he doesn’t need it.

 

He needs the dang ligament or it wouldn’t be there, thank you very much. And he isn’t less important because of the position he does or doesn’t play on a football field. He is one of the most important people to ME!  He may not be using that arm to toss balls around, but he has already signed with the Army. I am pretty sure his service there will be more beneficial to everyone than throwing a darn ball around would.wolffelling

 

So this is the rant I have for the week. I am dealing with a ton more pain than usual as well. Swelling everywhere, pain everywhere. And toughening up my outside so that I can hide this pain like a champ and not unload on anyone who asks me “how are you doing”. The art of hiding this is a job in itself.

But I’m doing good, how are you?

 

 

 

It’s Football Season Ya’ll

lovebamaMy favorite time of year is finally here. I have to admit, I hibernated at the end of last years football season.  I take Alabama football seriously.  And by seriously I mean, insanely so.  I have a selection of lucky shirts, socks, pants, blanket, underwear, and even where I choose to sit and in what position is of great significance to whether The Crimson Tide wins or loses.  If the combination of attire and position isn’t working and we are doing badly in a game I have to change something, if not everything. I get mad at anyone else who isn’t playing along with my mind games too. Alabama performed badly for an entire half of one game last year and ya’ll, it was entirely my husband’s fault. He wore the wrong hat.

tidecomingI am fully aware that all of these shenanigans are insane. I don’t care. It is something that I have done for as long as I can remember.  And I know I’m not the only one who does this stupid stuff. I mean one of the things that my husband and I really hit it off on when we first started dating was Alabama football and our silly rituals. One of us got stuck watching the remainder of a game in the bathroom.

So, this year I am in the market for a new “lucky” Alabama shirt. I am guessing the luck wore off of all of the other ones in the final game of the year last season. The national championship game. The cause of my hibernation for a little while. I guess I am a sore loser. Alabama fans, myself included, have become spoiled. God bless Nick Saban. I don’t know what we will do if he decides to retire anytime soon. Being a hard core Bama fan has had it’s up’s and downs. Prior to Nick, we had several Mikes to enter and be ran out of the Alabama family. None of them would ever add up to Bear Bryant.  We had some good coaches and we came through every now and then, but not enough to make National Championship t-shirts and memorabilia expire.  Our 1992 National Championship car decals and shirts were good for 17 years. (mine weren’t due to size issues)bamacrew

If you are a football fan then you either love Alabama or you love to hate Alabama. That is part of the deal that comes with being legendary. I am good with it. What I am not good with is losing and knowing we should have, could have, would have won a game that we lost. The BIG game. The one that determines who is the best.  It was decided last year that Alabama was not the best. And that chip on the shoulder of those big boys will shine this year. It won’t (I hope) happen again! But I must do my part. I must find the winning combination attire.

alabamaweekAlabama football is not the only favorite of mine. My Choctaws started their season with a win Friday.  My teenage boys both play. They didn’t play this game. The youngest is having to pay his dues as a youngster on the Varsity team and the oldest hurt his shoulder in a scrimmage game week before last. He is okay, he will play this week. So, I have a dilemma… Alabama’s first game is against FSU. FSU and my Choctaws have the same tomahawk chop and chant. I know that if I partake in this Friday night, my luck significantly changes for Saturday night.  OH MY GOODNESS, I AM CRAZY!

flareflareIn other news, I feel like crap. T-Total, poo. I guess I am having a flare. The pain associated with these abbreviations is constant. It’s hard to tell if the pain is just getting on my nerves or if I am having a flare which is more painful than the constant pain I experience. Last night, winter came. I have been waiting on winter for 7 seasons now. It finally came, and now we have to wait an entire season to see what else winter does.  And guess what fellow Game of Thrones fans. Now that winter is here and leaving us hanging for an entire season, we now know that the next season will be the last. What the what? I realize the budget for a show such as this can get pricey. I realize the actors now demand better pay. I understand every drawback HBO seems to have. But what I don’t understand is the business decision to end the best show HBO has ever produced. I guarantee they have gained more subscriptions solely because of this show. I know that HBO is NOT cheap. I know they’re making money and significantly more because of GOT!

Last night, winter came. I have been waiting on winter for 7 seasons even though the raven and John Snow can go back and forth from Winterfell in one episode. It finally came, and now we have to wait an entire season to see what else the slow walking, dead winter does.  And guess what fellow Game of Thrones fans. Now that winter is here and leaving us hanging for an entire season, we now know that the next season will be the last. What THE wha—-at?

I realize the budget for a show such as this can get pricey. I realize the actors now demand better pay. I understand every drawback HBO seems to have. But what I don’t understand is the business decision to end the best show HBO has ever produced. I guarantee they have gained more subscriptions solely because of this show. I know that HBO is NOT cheap. I know they’re making money and significantly more because of GOT!

They better have some huge, expensive tricks up their sleeves to appease the humongous fan base for their final season. HBO, you have been warned. got

No Fountain of Youth at the Beach

I have a public service announcement: THERE IS NO FOUNTAIN OF YOUTH IN PANAMA CITY BEACH, FL! At least, not that I found over the course of a week. Truth be told, this trip made me feel old. Older than I actually am. I spent 8 nights and days there and guess how many times my faulty body let me actually go down to the beach. 2 (two) visits to the sugar white sand. And two was all I could muster.


The first trip was during the day. I had no umbrella or pop up tent to block the rays from burning my pasty white skin. Mixed connective tissue disease means stay out of the sun. The medications I take for this disease all have warnings about sun exposure meaning stay out at ALL cost. So I loaded down with SPF 100 cream and I went for about one hour to the beach. I watched from afar as my 6-year-old and 37-year-old husband/kids played. Doing things I can not do any longer even though I really want to.
When you go on a trip like this, something we used to do all of the time with no problems what-so-ever, that whole spoon theory really comes into play.

My 6-year-old doesn’t understand it and I don’t expect him to. I don’t even want him to.  He persistently begged me to go to the beach with them every single day. He persistently begged me to go fishing at night at the beach with him every single night. My rationing of spoons told me that if I gave in and went to the beach tonight, I wouldn’t be able to move the next morning. Alternately, they told me that were I to go to the beach today, I won’t be worth a thing when we returned.

spoonisland

I felt like I was letting my son and my husband down. I felt like I was making my husband mad. I don’t know why I felt this way because he never made me feel like he was mad or anything. On the way down there we found this awesome radio station. It was a great mix of older country music and really old country music. Mostly, the music I grew up with. I am a music lover and I love all music. Rap, pop, rock, country, classic rock, punk, heavy metal, you name it, I love it. On the way down the song, “Different” by Kenny Chesney came on. It caught me off guard. I can’t begin to explain why, but it made me cry. And cry…and cry…

There I was, staring out of the window, hoping no one else realized I was balling crying. I couldn’t hide it well. My husband asked me “are you crying?” “What are you crying for?” I told him that I had no idea. And this did make him mad. But I still don’t know what made me cry like that.

Something about being told you have an incurable disease that may eventually lead to your early death makes you see your entire life different. It makes you see your entire future different for sure. It leaves you on an emotional roller coaster ride that you can’t get off of. I have always had a quirky reply to my kids when they say “that’s not fair”. I have always told them that the fair only comes once a year. You buy your tickets, you ride your rides, and that’s all the fair you’re going to get in this life.

Now, I’m getting my moneys worth out of this ticket to this lifelong roller coaster ride.  The highs are rare, the lows are frequent, the upside-down and twisting is constant. My roller coaster ride doesn’t have an attendant. There is no way to turn it off or make the ride end. The person in control of it is in God’s hands. It’s up to Him, me, doctors, and support. IMG_3737

One of the days we were down there my husband talked me into going to play putt putt golf. Side note: I despise putt putt golf. But we went and I have to admit I had a blast. When we got there I quickly realized we were into way more than I originally thought. This place had an arcade, two Farris wheels, bumper cars, bumper boats, and a crazy house, among other things. The golf was inside in black lights. I didn’t win, but I did in my heart. I was having fun. Fun is something that seems hard to attain when you’re in constant pain.  We had a blast. But the trip was much longer than I thought it would be. And my body started to fail me towards the end. My son wanted to ride the bumper boats one more time before we left. I had just started to dry out from the first ride, but you only live once. Something that is much more apparent to me these days.IMG_3745

He also had to go turn his tickets in for a prize at the arcade. I asked my husband if I could ride the roller coaster while they went and did that.  So I did. I rode that roller coaster by myself. And I felt so alive. I felt so free. I felt so content. The ride was fast and short, and rickety. I don’t know why this one ride made me worry I may get sick and lose my cotton candy. Another childish thing I had done that day. I haven’t eaten cotton candy in forever.  It was so good!

My take away from the beach is this: Live every day like you are a kid again if you are able. I’m not, so this rare day wore me out. I didn’t find my fountain of youth, but maybe I did find a sprinkle of it.

I was ready to come home and see my doggies. They missed me as much as I missed them. I felt so bad for leaving them. They don’t understand. But they’ve already forgiven me.  I wish I could forgive myself as quickly as they can.

July’s Abscence

warriorI haven’t been on here and written much on my blog. I have a lot of reasons why. The first reason is METHOTREXATE! This medication is the Devil and creates the atmosphere of Hell inside your body. I know that its intention is to suppress my immune system and keep it from fighting my body, but it is starting to feel like it kills whatever your immune system hasn’t already battled.

I’m hoping my body will eventually get used to the medication and the bad effects will somewhat diminish.  I start to recover and feel a little better around Friday. So for Friday and then Saturday morning I am back to normal, or my version of normal which still includes pain. Then Saturday I take these 4  Methotrexate pills and the battle begins again.

methcanOn top of the awful side effects of this Satan derived “treatment”, I have started working. I love my job. I am able to work around my schedule and it isn’t a hard job to learn or do. I feel like I should be working during any spare time that I have because I never know when I am going to be unable to interact with the world around me or go down for the count with this disease and side effects.

Another side effect of the disease and/or medications is my inability to sleep. I don’t quite understand it, but I can be so tired and want so badly to go to sleep, but when I lay down I CAN NOT get any sleep. I take Ambien, which is obvious if you have read any of my late night posts. But I ran out of them this week and I was also out of refills. I contacted my primary care physician Monday to inquire about a refill. I had an appointment with them Thursday.  They wouldn’t call the medication in until I was seen. I understand it is a controlled substance. But they have been prescribing this to me for nearly two years. By the time I got there on Thursday I was ill. I was mad at the world. I was mad because I was tired and I couldn’t sleep. breakdown

I started my conversation with the doctor by telling her that I was sorry, but I can’t think straight because I haven’t slept in 3 days. She assured me that she would be sending my Ambien in along with some other stuff she was going to try since my insurance wants $480 a month for Lyrica.  Again, I ended the conversation reiterating my need for my Ambien TODAY. She again, told me I would get it.

I had a late appointment. The pharmacy closes at 7:00 pm. I went to Walmart to get this promised medication and it had not been sent it. All of the other medication had. I called the doctors office again. I was told that the doctor had to sign off on it since it was a controlled medicine. The doctor I had seen was a practitioner. Well, 7:00 rolled around and still no sleeping medicine. At this point, I could spit fire and nails. I literally cried right there in Walmart.

I am not a crier. I just don’t cry in public usually. I am the type of person who will wait until everyone’s asleep and then lay in bed and cry.  I know I shouldn’t keep my feelings bundled up to myself, but I feel as if I appear weak if I cry in front of anyone. Don’t ask me why.

In addition to me not being able to get the Lyrica, my rheumatologist advised me to quit taking the muscle relaxers and Neurontin and didn’t give me any refills of them either. Nor would she refill my Ibuprofen. Ibuprofen is fine, I can get that OTC. The other two, not so much.

So here I am, in pain, now sick from the Devil medicine, with absolutely NO pain medication, NO sleep medication, NOTHING! To say I had a come-apart would be an understatement. Mixed connective tissue disease and rheumatoid arthritis are enough for me to have to deal with. I am going through a lot with it. Is it too much to ask the doctors to DO THEIR JOB? It is so aggravating.

methotrexatepFinally, around 4:00 pm on Friday my Ambien was called in and I got some good sleep last night. My spirits are up a little more today. But today is a Methotrexate day so we’ll see how long that lasts.

I hate to be a Debbie Downer in my posts, but I felt a need to rant and vent about it.

I hope you all have a great weekend!

How To Begin a Work-From-Home Search

workathomeAs many of you know, I have been on a mission to find work from home to support my family and medical bills. I have been at my wit’s end with it and I have searched for what feels like years. In reality, I have only been hard at it for about 3 months. But still, 3 months is 3 months. Because I now have some knowledge of the many different opportunities out there, I felt a need to write about it in hopes to help someone else out.

 

Now I’m not getting rich over here. Not in the least. But, I am making an okay hourly rate doing a job that isn’t very challenging. And the best part –I do it in my pajama’s while watching TV.  After a little time of vigorously looking for reputable work-from-home opportunities, I felt defeated. I had applied for so many, and I would get accepted to some only to find out the pay wasn’t worth the time.  I have come across so many scams that I can’t list them all. Some of these scams seem so legit until all of the sudden it’s so apparent that they’re not, that you feel like a royal idiot.

ratraceFinally, last month I was reading comments on a post that showed up in my newsfeed on Facebook. The original post was, indeed, another scam. I learned very quickly to read the comments on listings such as this before gullibly trusting the pitch. I found a couple of posts that talked about one website they had found to be the best, scam free, work from home portal. That site is www.ratracerebellion.com. You can thank me later. Go ahead and sign up for e-mail notifications with them. They’ll send you daily e-mails on the newest, best listings. Some of these fill up fast so you will want to stay on top of them. I made it a job to find a job.  I was finally getting somewhere when I started to apply for these jobs. I was taking tests left and right and I was finally hired by a company called Appen. Now, this company isn’t the greatest in the world, but it does pay. The testing for the jobs they offer is long and a little confusing.

upworkimage

I worked for them for about two weeks until I found another, better paying job. Here is another little nugget that offers hundreds of work-from-home opportunities. This is the one I am currently using to pay the bills: www.upwork.com

When you sign up with Upwork there will be some tests you can take to help kick-start your profile. Don’t worry, if you don’t make a good score on a test you don’t have to include it in your profile.  You will also want to fill out your work history and write a small bio about yourself. Upload a picture. You don’t HAVE to have a picture, but when you are working for people you will never meet in person, they want to be able to put a face to your name.

I have been scammed once on Upwork. I got an invitation from a company who wanted to hire me and they wanted to talk to me on Google Hangouts about the job. The pay started to sound too good to be true and my guard went up. Then the so-called employer told me that they wold be sending me a computer and a check to have the software installed on the computer. They said I was to take the check to the bank and deposit it and send them a picture of my deposit slip once I had. DING! DING! DING! DING! This round was over for me! The next day I received a check by FedEx for $4,500.00. The guy who I had spoken with about this job the day before was now calling me repeatedly. I told him that I would deposit the check once I received the laptop from them. That only made sense to me. I also told him that I would not, under any circumstances, send a copy of my deposit slip to him or anyone else. That check is still collecting dust somewhere. So the takeaway from this for me was to make sure that whoever you are dealing with on Upwork has verified payment and has actually already paid some other people within the Upwork community.

 

To get work through Upwork you have to send the employers proposals. Some jobs are for a flat rate fee and some are for hourly work. You will see how much they have budgeted for the jobs. Keep in mind that Upwork makes a percentage of what you make and it will be deducted out of your pay once the work is completed. This may scare a lot of people off, but I look at it this way… I would rather give my banking information to one company with a more reputable name than to hundreds of different companies any day. The fee’s that they take are as follows:

  • 20% for the first $500 you bill a client across all contracts with them
  • 10% for total billings with a client between $500.01 and $10,000
  • 5% for total billings with a client that exceed $10,000

This sounds like an awful lot, I know. But if you factor this into your proposals you defeat the problem before it ever becomes a problem.  Also, you can renegotiate pay while working for a client. There is a plethora of help to be found from the Upwork community as well.

If you are beginning your journey to find work-from-home jobs, I hope my approach will help you find your way. A lot of really great jobs require you to have worked from home before. This seems to be the best way to get that experience added to your resume’ that I have found.

I have also been using a lot of different reputable sites to do survey’s and coupon type apps. Again, here you will find a lot of sites are scams. I won’t delve too much into this in this article because that may get lengthy, but I will leave the ones I use to make the most here. Please use these links I have listed because with the majority of these companies, you make money from referrals. Also, the people you refer get a nice starting bonus.

Swagbucks 

Pinecone Research

Ibotta

PointClub

iPoll

Vindale Research

Inbox Dollars

Shopkick

Panel App

Yaarlo

I will update this list because there are more. Happy money maker hunting!