Discover More Card - American Flag

5% Cashback Bonus ®* in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants and many more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases automatically
Unlimited cash rewards
Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners
No Annual Fee
Online Account Access
Online Bill Payment
Complete Fraud Protection for Your Peace of Mind
$0 Fraud Liability Guarantee
Advanced fraud early warning alerts
Secure online account numbers
Fraud specialists dedicated to helping you 24/7
Customer Service That Puts You First
One call, we take care of it
Talk to a knowledgeable person in less than a minute
Easy online Account options that put you in control
Timely e-mails to help you avoid fees
*View Discover® Card Rates, Fees, Rewards and Other Important Information.

Make your money worth More.SM*
Get 5% Cashback Bonus ® in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants, and many more.
Plus get 5% to 20% Cashback Bonus at top retailers such as CircuitCity.com, LandsEnd.com and Barnes & Noble.com when you link through our exclusive online shopping site, ShopDiscover.
In addition, you’ll automatically earn up to 1% Cashback Bonus on all other purchases.
5% Cashback Bonus® program
Get 5% Cashback Bonus® in categories that change like travel, home improvement stores, department stores, gas, groceries, restaurants, and many more.
It’s a free and easy way to build rewards even faster.
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
2

DID YOU KNOW?

	Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started. As essential as it is to secure a part-time job to support your personal wants, you must be aware of the “hidden regressors” that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it’s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job does not always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful. Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong! Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag. Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can’t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings. To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The “broke college student” has the ability to be financially successful, if means are taking to save more and use credit wisely.

So how much can an MT actually make?

MT salaries can vary greatly, and your actual earnings will depend on a few different factors. For example, an MT who works from home and has her own accounts will usually make more money than an MT who works for an online service or at a traditional job setting.

According to the U.S. Department of Labor the average earnings for MTs in the year 2004 was between $11.50 and $16.32 per hour. MTs in the higher earnings range (10%) earned $19.11 per hour.

Now, keep in mind that’s just a statistic. How much you actually earn can vary greatly and it’s really difficult to come up with a “true” earnings statistic.

If you work from home on your own accounts there may be months where you have extra work and months when you have less. Your earnings could also differ dramatically from another fellow MT who works from home on her own accounts.

A great advantage about having your own MT business is you can truly have control over your earnings. The more accounts you have, the more money you’ll make.

As your business grows you can hire subcontractors and take on even more work. There really is no limitation in how large your business can grow.

You may also choose to have a smaller and easier to handle business. You can always work a little extra to increase your earnings, or simply take on the amount of work that suits your needs.

If you have a home based MT business and you do all the work yourself, you can make anywhere between $20,000 a year to $50,000 a year. A larger transcription service, which hires subcontractors can earn between $50,000 a year to $200,000 and upwards.

Medical transcription jobs outside the home can vary just as much, depending on where you live. Earnings can be from $9.00 per hour to $22.00 per hour.

It’s really difficult to say exactly how much your medical transcription salary will be. But one thing to keep in mind is the earning potential is there and there are many opportunities for you to take.

This is TRULY a business which allows you to have control over how much you earn.