Chiropractor's Wife!

Chiropractor's Wife!
Have Curves In All The Right Places?

Friday, August 19, 2011

Adventures in Home Office

All the summer fun has finally caught up to me and I have been living with a mild upper respiratory infection for a week! Yesterday and today my husband has orientation all day at the High School he will be teaching at which bleeds in to his evening shift at the hospital so we haven't seen him! For some odd reason, despite my running at 50% I completely reorganized and moved things around in our living room providing a place for my husband to see patients here. I emailed the accountant to see what we need to do and he said as long as we are pulling in under $10,000 a year providing chiropractic services then he can file it under sole proprietor next tax season. That is a lot of wiggle room for us seeing how this year alone chiropractic has probably brought in, if I am being honest around $1500.
We have two kids. My oldest starts the 2nd grade next week and my youngest starts afternoon kindergarten the week after. I had imagined working as a medical assistant again during school hours for nothing but fun money but I am not available hardly at all when I really look in to it...yet. So, I have decided to just work for my husband again and already started business card designs on Vista Print and intend to focus on our limited balut chiropractic, acupuncture and nutritional services from home. This time, in order to maintain joy in this arena I am limiting his entire practice to 20 people. That is it. Liability for 20 golden patients who are a pleasure to service! No more desperate sloppy care and flaky patients. Once we have our footing on the 20 and my husbands schedule clears up we will go 50. We will charge $35 a visit and I will manage our Standard Process branch too! Standard Process is whole food nutrition supplementation only distributed by healthcare professionals. The farm is in the USA and has maintains the highest standards to ensure quality and efficacy for which their products are required.
In the few minutes in passing I was with my husband this morning I asked him if any of his new colleagues knew he was a chiropractor. He smiled big and told me no sooner had he walked into orientation yesterday that a guy walked right up to him and asked him if he was the chiropractor! He also asked my husband if he took their insurance! According to their benefits packet they cover 20 visits with a $35 co-pay. On our end we'd expect another $20-$40 after me sending in claims and being on the phone all day which I have no interest in doing! My husband told him that he didn't but that he would take their co-pay price. So he already has a reputation and he already has interested prospective patients and I find myself getting the bug to sign my husband up as their insurance provider! What am I thinking!!!!?!
Whatever I am thinking I am not delusional enough to know we want chiropractic to ever be our bread and butter. When chiropractic has taken that role it is nothing but misery for our little family. All consumed chiropractic chaos! Stress. Yelling at the kids to be quiet. Constantly wondering if you'll be busy next month or next week. Oh, the horror that we lived and will never, ever go back to! From now on chiropractic will be on our terms and more of a hobby. We won't complain if it makes money!
If this little venture turns out to keep me busy enough as a self employed chiropractor's wife I will just continue doing it henceforth. If it turns out to be a joke and we find ourselves living around his roller table and adjustment table and wellness decor for nothing we will move it all out and I will take a medical assisting job next fall around my kids school schedule for fun!

Wednesday, August 10, 2011

Side dish Chiropractic is like Balut

Do you eat Balut? I didn't think so but that won't take for granted the millions upon millions who consider balut an awesome side dish for a meal! Eluding to the previous blog where I painted a pretty picture where teaching was to be our main dish and avenue to making a living and chiropractic would be like the bonus corn on the cob or something desirable like french fries still on the plate I have now down graded that side dish to balut. I do realize it is a terrible choice because unlike balut, chiropractic isn't as desired by the general masses of any geographical region of the world to my knowledge!!

Today was the first day that my husband decided to arrive for clinic hours since taking the teaching job which meant he had to have a meeting with the guy who owns it and navigate their goals, explain the further limited availability my husband can offer for a time, and get on the same page whatever that ends up being. What it ended up being was the end of our "Independent Contracting Associate Position". Ideally I'd have preferred to maintain a place of practice for my husband so that as we continue to pursue these other avenues of income we can concurrently grow a clientele and replace the hospital job altogether with evening clinic hours 3pm-7pm but no matter because that won't be happening now.

Now I get to help pack up his office which I consider to be quite a nice room and live with it in our living room officially placing chiropractic on hold altogether at this point. Our living room will feel like a storage shed!! It never gets old being a chiropractors wife!

I am also completely off the wall excited about where my husband can end up when all is said and done! Perhaps our living room will be a fine alternative to any office in the area! I can bake fresh cookies and schedule his appointments and let prospective patients know we only accept 20 people or families at any given time creating a waiting list to those who desire my husbands hands on their spine!!

Oooh! Or I can just start soliciting oober wealthy people and offer my husband as their own exclusive personal chiropractor. We shall see..... My mind is a wonderland!

Tuesday, August 9, 2011

Who put the D in Default?

Ever since we closed our practice last December we have been in contact with all of our creditors, forthright, and within their reach. We have probably specifically spoken to mentally challenged people from Sallie Mae, the carrier of our private student loan account, hundreds of times to say the same thing and every day several times a day they beckon us to return their call to discuss options. When we do call them back or answer to discuss options the exact same discussion happens over and over again with no new options to consider. Just the same old options which is actually only one option: "pay us something you can't afford that won't go towards your principal". Seriously, if I didn't know how imbalanced a small business makes ones life I would half expect myself to create a business for people in our situation to pay us a .10 cents a call for a sexy robot voice to answer the phones in behalf of them and repeat the following script:

"Hello, _____________, I understand we owe you a significant amount of money and there is nothing we would love more than to pay you regular payments or the entire balance but unfortunately in order to maintain a pulse for me and my dependents I must insist on putting every penny towards the basic necessities of life which at their bare bones exceeds my current income. If my situation changes you will be one of the first people I call. If this doesn't work for you it would serve you well to proceed with a lawsuit or writing off my account and sell it to secondary collection agency which really works to my advantage seeing how I am considered judgment proof in my state! If you continue to call me I will change my number and go into hiding for the next 10 years. Thank you and have a nice day."

It would be great because all these robots calling us can just talk to robots too!! So far default feels divine for the most part so I can't complain.

I just returned from a girls only float trip in Texas and although they are in a water shortage and the river was low we had a swell time! Hence the picture! It was just what I needed to recharge and renew! I came back with a pain in my neck something fierce and my chiropractor was right on it working it out and doing what he does best! Despite being in default officially, I managed to compensate him for his services the best way I know how! Cheers!

I am adding something disturbing to this. According to Sallie Mae's website they have a section that says if you go into default like we have, "You can lose many payment options, such as income-sensitive or graduated repayment." The mental breaks slammed! Hold the phone!! Well before we ever went in default we were on our knees begging for an income-sensitive option just like our Federal loans were in!! We knew our business was closing and that funds were severely limited! They never, ever in the 100+ times it seems we've talked to them to work out an agreement offered this. Now that we are in default I doubt it matters but I do smell a worthy lawsuit, perhaps class-action! When did they start this "income-sensitive" option? If it was after we and thousands of others were already hopelessly in default that is SOL material but if it has existed before we were in default and all these recorded conversations with us that I know for a fact exists then they are in big fat trouble. So frustrating! Their goons called my husbands teaching job today which I am sure they found through his public info on facebook. We are considered under the poverty line in our state so they have nothing to gain from driving us into destitution and homelessness!

Wednesday, August 3, 2011

Side Dish Chiropractic

So my husband has been on fire lately! Our course is plotted and after a year of trying to get hired ANYWHERE in the teaching arena he has finally been offered and accepted a part time teaching position in a local high school teaching Chemistry and Astrology. This was the last step in the right direction to getting set to fulfill his ARL (Alternative Route to Licenser) to teach in this state. The best part is we will have an extra $1,000 a month for the next 24 weeks and most likely next semester as well which officially will put chiropractic on the side. If my husbands profession were a plate of food the hospital job would still be the main meat, the teaching position his potatoes, and chiropractic is officially a side! It is still on there and will remain such to serve those handful of people who seek his services but we will no longer be scraping and pining for patients like we have up to this point! Our ultimate plan is for my husband to get a full time position teaching and doing clinic in the evenings eliminating the hospital all together! It will be worth it! I am so happy. Cheers to a future where teaching and chiropractic become a beautiful entree that provides us with security, stability, and financial satisfaction we so desperately have been longing for!!!