INVESTMENT: Advisor V. Adviser

Posted on May 23, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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An investment advisor (sometimes spelled “investment adviser”) is defined as a company or person who has a government registration allowing them to choose, manage and recommend investments for clients. Investment advisors are also sometimes referred to as stock brokers. They are not fiduciaries.

RELATED: https://medicalexecutivepost.com/2025/04/01/financial-advisors-vital-critical-thinking-skills-to-master/

Unlike other financial advisors who may not be regulated, investment advisors are regulated by their state or the Securities Exchange Commission depending on how much money they manage. Investment advisors may also offer services like retirement planning.

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HEDGE FUND: Hiring Separate Managers?

Posted on May 23, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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By Staff Reporters

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A hedge fund is a limited partnership of private investors whose money is pooled and managed by professional fund managers. These managers use a wide range of strategies, including leverage (borrowed money) and the trading of nontraditional assets, to earn above-average investment returns. A hedge fund investment is often considered a risky, alternative investment choice and usually requires a high minimum investment or net worth. Hedge funds typically target wealthy investors.

Growing Funds: https://medicalexecutivepost.com/2025/01/15/hedge-funds-a-growing-sector-of-investing/

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I want to invest with a manager that has the skills to “hedge” a portfolio, but I do not wish to mix my money with other investors as in a hedge fund.

QUESTION: Can I hire hedge fund managers to manage my account separately?

Some hedge fund managers do take the time to recruit and manage separate accounts, with or without the help of referring brokers.

However, before long the administrative burden of managing so many separate accounts can become quite significant. Hence, the minimums for such separate accounts are generally much higher than if one were to invest in the manager’s hedge fund.

Hedge Fees: https://medicalexecutivepost.com/2024/07/09/hedge-funds-understanding-fees-and-costs/

The best feature of these separate accounts is that potentially every aspect of the investment account, including fees, is negotiable. Other features include greater transparency and increased liquidity, since separately managed accounts can often be shut down on short notice.

Hedge Monitors: https://medicalexecutivepost.com/2024/07/09/how-to-monitor-hedge-funds/

Investors must be aware, however, that for practical purposes the portfolio manager generally will buy and sell the same securities in the separately managed accounts that the portfolio manager buys and sells in the hedge fund, yet the expenses incurred by the investor will likely be higher.

Hedge IRA: https://medicalexecutivepost.com/2025/04/02/hedge-funds-in-individual-retirement-accounts/

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DAILY UPDATE: Stocks End Day Mixed

Posted on May 23, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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  • Stocks wavered throughout the day as the 10-year Treasury yield rose back above 4.5%, making a convincing argument for investors to buy risk-free bonds with big yields rather than equities.
  • Yields on both 20-year and 30-year Treasuries traded above 5% after the Republican tax and spending bill passed the House, raising fears of a bigger US deficit and lower creditworthiness in the years ahead.
  • Bitcoin continued to climb last night, hitting a new record high of $111,886.41 in the wee hours of the morning before losing some ground throughout the trading session today.

CITE: https://tinyurl.com/2h47urt5

What’s up

  • Nike gained 2.30% on the news that it will begin selling its shoes on Amazon for the first time since 2019.
  • Fannie Mae popped 46.73% and Freddie Mac jumped 42.50% on President Trump’s comments that he’s seriously considering bringing the mortgage giants public.
  • Advance Auto Parts exploded 57.14% higher after better-than-feared earnings made it clear that its turnaround plan is working.
  • Urban Outfitters soared 22.84% after reporting EPS of $1.16 last quarter, far better than the $0.84 per share analysts had forecast.
  • Snowflake gained 13.47% thanks to a strong first quarter and management’s expectation that revenue will rise about 25% this quarter.

What’s down

  • Walmart lost 0.48% on the news that it will cut 1,500 jobs in a corporate restructuring.
  • Analog Devices fell 4.63% even though the semiconductor maker beat Wall Street estimates on both sales and profits last quarter.
  • Health insurance stocks took a hit on reports that the US government will conduct “aggressive” Medicare Advantage audits. Humana sank 7.58%, UnitedHealth Group fell 2.08%, and CVS Health dropped 3.06%.

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Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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Physician V. Doctor V. Provider V. Prescriber V. Medical Others

Posted on May 22, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

HEALTHCARE DEFINITIONS

By Staff Reporters

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When you visit health clinic or hospital for a medical appointment, you’ll be seen by a doctor, healthcare provider and/or medical prescriber. But what do these words really mean?

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Doctors / Physicians

Doctor of Medicine (MD), Doctor of Podiatric Medicine (DPM), Doctor of Osteopathy (DO, or Doctor of Dental Surgery (DDS/DMD). Doctors, also known as physicians, have extensive prescription privileges across various specialties. They can diagnose medical conditions, prescribe medication, and oversee the overall management of patient care. Doctors include general practitioners, specialists such as cardiologists or dermatologists, and surgeons. Their prescription authority encompasses a wide range of medications to address acute and chronic health conditions, ranging from antibiotics to specialized treatments for complex diseases.

MORE: https://medicalexecutivepost.com/2023/06/17/the-md-versus-do-degree/

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Medical Providers

A medical provider is a general term that encompasses a wide range of education levels, skill-sets, and specializations. A provider could be a Physician Assistant (PA), Nurse Practitioner (NP), Clinical Nurse Specialist (CNS), Doctor of Medicine (MD), Doctor of Podiatric Medicine (DPM), Dentist (DDSDMD) or Doctor of Osteopathy (DO).

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Medical Drug Prescribers

Generally, psychologists and therapists do not have prescription privileges. They focus on psychotherapy and counseling rather than medication management. However, some jurisdictions may grant limited prescription rights to psychologists who undergo additional training and certification. Like psychologists, therapists typically do not have prescription privileges. They focus on providing counseling and psychotherapy to address mental health issues and emotional concerns.

PHARMACISTS: https://medicalexecutivepost.com/2025/02/12/pharmd-doctor-of-pharmacy/

Psychiatrists are medical doctors (MD/DO) who specialize in the diagnosis and treatment of mental health disorders. They have full prescription privileges and can prescribe a wide range of medications to manage psychiatric conditions.

In most cases, physical therapists do not have the authority to prescribe medication. They primarily focus on rehabilitation and physical interventions to improve mobility and function.

MORE: https://medicalexecutivepost.com/2025/02/23/doctorate-physical-therapy/

Nurse practitioners are advanced practice nurses with the authority to diagnose, treat, and prescribe medication independently in many states and countries. They undergo extensive education and training, which allows them to provide a wide range of healthcare services, including medication management.

Similar to nurse practitioners, psychiatric nurse practitioners have the authority to prescribe medication for mental health conditions. They specialize in psychiatric and mental health care, offering comprehensive treatment that may include medication management.

Chiropractors primarily focus on diagnosing and treating musculoskeletal disorders through manual adjustments and therapies. They do not have surgical or prescription privileges in most jurisdictions.

Optometrists are trained to diagnose and treat vision problems, including prescribing corrective lenses and medications for certain eye conditions such as infections or inflammation.

Registered nurses typically do not have prescription privileges. They work under the direction of physicians and nurse practitioners, assisting with patient care but not prescribing medication themselves.

Dentists have limited prescription privileges related to dental care, such as antibiotics or pain medications for dental procedures. However, they do not have the authority to prescribe general medications outside of their scope of practice.

Nutritionists typically do not have prescription privileges. They specialize in providing dietary advice and counseling to promote health and well-being through nutrition but do not prescribe medication.

Depending on their scope of practice and legal regulations in their jurisdiction, nurse midwives may have limited prescription privileges for certain medications related to prenatal care, childbirth, and postpartum care.

MORE: http://www.HealthDictionarySeries.org

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PARADOX: Baumol’s Economic Cost Disease

Posted on May 22, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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According to Baumol’s Cost Disease, in theory, workers should get higher pay because they get more productive. But an economist named William J. Baumol PhD noticed this isn’t always true; as in a paradox.

For example, musicians take the same time to play a string quartet as they did in Mozart’s day, but are paid more nevertheless. The reason is competition for labor; musicians can take other jobs. So rising wages in productive parts of the economy (eg, manufacturing) lead to higher wages in less productive sectors.

MORE: For more on the paradoxical disease, read this article; and for more on Baumol, read this one.

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DAILY UPDATE: Stock Markets Collapse!

Posted on May 22, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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  • While stocks usually steal headlines, all eyes were on the bond market today. The 10-year bond yield popped back above 4.5% first thing this morning while the 30-year rose above 5% as fears of larger deficits due to the Republican tax and spending bill gave investors pause. A poorly received auction of $16 billion in 20-year bonds this afternoon only pushed yields higher.
  • Bitcoin climbed to a new all-time high early in the trading session, touching $109,500 at one point today as investors continue to search for alternatives to bonds and the US dollar.
  • Crude oil climbed to its highest price in a month on reports of flaring tensions between Israel and Iran, then tumbled lower after the US announced surprisingly high oil inventories.

CITE: https://tinyurl.com/2h47urt5

What’s up

  • Silly goose: Outdoor apparel maker Canada Goose soared 19.35% after reporting a stellar first quarter.
  • Alphabet rose 2.79% following a slew of big announcements at its developer conference, including a revamped AI Search.
  • Xpeng popped 13.06% thanks to a smaller-than-expected loss last quarter for the Chinese EV maker.
  • WeRide soared 21.42% on the announcement that the robotaxi will buy back $100 million of its stock.

What’s down

  • UnitedHealth Group secretly paid nursing homes to transfer fewer people to hospitals so it could cut costs, according to The Guardian. Shares understandably tumbled 5.79%.
  • Target missed the mark last quarter, with fewer transactions thanks to DEI boycotts leading to lower sales and profits, pushing shares down 5.21%.
  • Lowe’s sank 1.77% despite sticking to its full-year guidance, noting that sales to professionals will pad its bottom line.
  • Palo Alto Network may have beaten analysts’ estimates for sales and profits, but the cybersecurity company still fell 6.80% due to thinner margins.
  • Take-Two Interactive sank 4.52% after the video game maker put $1 billion in common stock on the market.
  • Fair Isaac caught strays today from a Trump Administration official who was displeased by the credit analytics company’s decision to raise royalty fees.
  • Carter’s crashed 15.74% on the announcement that the children’s clothing retailer will slash its dividend due to higher costs from tariffs.
  • Airline stocks tumbled after the FAA limited flights in and out of Newark Airport. United Airlines fell 3.93%, Southwest Airlines lost 2.35%, and American Airlines sank 3.52%.
  • Wolfspeed, easily the best-named stock on the market, may go bankrupt. Shares of the semiconductor supplier dropped 59.11%.

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Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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ECONOMICS: Free Market Resource Allocation

Posted on May 21, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Free-market economists are those who believe that the market is better at allocating resources than governments and that excessive regulation and high public spending tend to diminish growth in the long run.

In Medicine: https://medicalexecutivepost.com/2024/09/19/dr-michel-accad-can-austrian-economics-save-medicine/

Austrian Economics: https://medicalexecutivepost.com/2024/06/07/the-entrepreneur-according-to-austrian-economists/

Keynsian v. Austrian Economics: https://medicalexecutivepost.com/2024/09/19/keynesian-versus-austrian-economics/

MORE: See also Austrian school, Chicago school, laissez-faire and neoliberalism.

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“Medical economics and finance is an integral component of the health care industrial complex. Its language is a diverse and broad-based concept covering many other industries: accounting, insurance, mathematics and statistics, public health, provider recruitment and retention, Medicare, health policy, forecasting, aging and long-term care, are all commingled arenas …. The Dictionary of Health Economics and Finance will be an essential tool for doctors, nurses and clinicians, benefits managers, executives and health care administrators, as well as graduate students and patients. With more than 5,000 definitions, 3,000 abbreviations and acronyms, and a 2,000 item oeuvre of resources, readings, and nomenclature derivatives, it covers the financial and economics language of every health care industry sector.”

ORDER DICTIONARY OF HEALTH ECONOMICS AND FINANCE: https://www.allbookstores.com/Dictionary-Health-Economics-Finance-David/9780826102546

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SPEAKING: Dr. Marcinko will be speaking and lecturing, signing and opining, teaching and preaching, storming and performing at many locations throughout the USA this year! His tour of witty and serious pontifications may be scheduled on a planned or ad-hoc basis; for public or private meetings and gatherings; formally, informally, or over lunch or dinner. All medical societies, financial advisory firms or Broker-Dealers are encouraged to submit a RFP for speaking engagements: MarcinkoAdvisors@outlook.com 

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STAGFLATION? Slow Growth, High Unemployment and Rising Prices.

Posted on May 21, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

DEFINED

By Staff Reporters

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Stocks ticked down yesterday, ending a six-day rally after some influential CEOs—including JPMorgan Chase’s Jamie Dimon—warned that markets have grown too complacent about tariffs and potential stagflation. But it was a spectacular day for Warby Parker, which climbed more than 15% after Google announced it’s partnering with the eyewear company on Google Glass (RIP) a new smart glasses device.

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  • Stagflation is the simultaneous appearance in an economy of slow growth, high unemployment, and rising prices.
  • Once thought by economists to be impossible, stagflation has occurred repeatedly in the developed world since the 1970s.
  • Policy solutions for slow growth tend to worsen inflation, and vice versa. That makes stagflation hard to fight.

Stagflation is the combination of high inflation, stagnant economic growth, and elevated unemployment.

The term stagflation, a blend of “stagnation” and “inflation,” was popularized by British politician Lain MacLeod in the 1960s, during a period of economic distress in the United Kingdom. It gained broader recognition in the 1970s after a series of global economic shocks, particularly the 1973 oil crisis, which disrupted supply chains and led to rising prices and slowing growth. Stagflation challenges traditional economic theories, which suggest that inflation and unemployment are inversely related, as depicted by the Phillips Curve.

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According to Wikipedia, stagflation presents a policy dilemma, as measures to curb inflation—such as tightening monetary policy—can exacerbate unemployment, while policies aimed at reducing unemployment may fuel inflation.

In economic theory, there are two main explanations for stagflation: supply shocks, such as a sharp increase in oil prices, and misguided government policies that hinder industrial output while expanding the money supply too rapidly.

NOTE: A portmanteau word or part of a word made by combining the spellings and meanings of two or more other words or word parts (such as smog from smoke and fog).

MORE: https://medicalexecutivepost.com/2019/06/25/what-is-a-portmanteau/

The stagflation of the 1970s led to a re-evaluation of Keynesian economic policies and contributed to the rise of alternative economic theories, including monetarism and supply-side economics.

PHILLIPS CURVE: https://medicalexecutivepost.com/2024/10/04/about-the-phillips-curve/

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DAILY UPDATE: Stock Markets Down Slightly

Posted on May 21, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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  • The S&P 500 snapped a 6-day winning streak as the rally following the US & China tariff ceasefire faded and investors looked elsewhere for buying signals.
  • Federal Reserve speeches abound this week, with several central bankers warning of an economy under duress.
  • Both gold and bitcoin consolidated their recent gains, offering investors alternatives to suddenly not-so-safe bonds and a sagging US dollar.

CITE: https://tinyurl.com/2h47urt5

What’s up

  • Tesla climbed 0.51% after CEO Elon Musk committed to spending the next five years running the EV manufacturer.
  • Moderna popped 6.06% after the FDA announced new limits on Covid-19 vaccine approvals that were more lenient than expected.
  • Warby Parker soared 15.57% on news of a partnership with Google to create smart glasses.
  • Pony AI rose 5.74% after the Chinese auto maker posted impressive earnings and cited high demand for autonomous taxi rides.
  • Amer Sports surged 19.05% after the athletic equipment maker posted a strong beat-and-raise earnings announcement.
  • D-Wave Quantum soared 25.93% after the quantum computing company unveiled its newest computing system.
  • Levi Strauss & Co. rose 1.42% on the news that the jeans company is selling Dockers to Authentic Brands Group for $311 million.

What’s down

  • Home Depot fell just 0.61% after the home renovation retailer missed earnings estimates, beat revenue forecasts, kept its fiscal guidance intact, and said it won’t raise prices.
  • Airbnb tumbled 3.27% after Spain ordered the company to take down over 65,000 listings.
  • Uber sagged 0.66% despite an upgrade from JPMorgan analysts and the news that it’s partnering with Waymo to offer robotaxis in Atlanta.
  • Viking Holdings sank 4.99% despite earnings and sales beating estimates, but investors didn’t like hearing that the the cruise line operator transported fewer passengers last quarter than expected.
  • AES lost 4.05% after the solar stock was downgraded by Jefferies analysts, who are worried about lower demand for renewable energy.

CITE: https://tinyurl.com/tj8smmes

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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COINBASE: Investigated

Posted on May 20, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Coinbase under investigation – Hit with ransom attack

Coinbase’s wild week got much wilder when the New York Times reported that the SEC has been looking into whether the crypto exchange misstated the size of its user base in securities filings. Per the New York Times, the investigation started under President Biden and has continued under President Trump.

The subject of the investigation appears to be Coinbase’s claim in past disclosures and marketing materials that it has 100 million “verified users.” A company spokesperson said it no longer reports that metric and the investigation should not continue.

The report came days after Coinbase joined the S&P 500, and just hours after it said it could lose $400 million following a recent hack by “rogue overseas” agents looking to steal customer data.

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Moodys, Stocks, Bonds and UnitedHealth

Posted on May 20, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Moody’s decision couldn’t dampen the mood on Wall Street yesterday; despite tariffs and credit, etc..

Stocks rose even as bond yields spiked in response to the rating agency’s decision to downgrade the US’ credit.

And, UnitedHealth popped as investors decided to buy the dip the insurer faced last week amid a slew of bad news.

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DAILY UPDATE: Gold, VIX and Stock Markets Up as 23andMe is Sold

Posted on May 20, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Essays, Opinions and Curated News in Health Economics, Investing, Business, Management and Financial Planning for Physician Entrepreneurs and their Savvy Advisors and Consultants

“Serving Almost One Million Doctors, Financial Advisors and Medical Management Consultants Daily“

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  • When S&P downgraded the US’ credit rating in August 2011, it sparked the worst one-day decline in US stocks since the Great Financial Crisis. Today was the first day of trading after Moody’s downgraded the US’ credit rating, and while stocks sank at the open, they recovered a lot of lost ground after investors decided to buy the dip.
  • The downgrade pushed yields on 30-year Treasury bonds above 5% at the open, while 10-year yields rose to 4.55% at one point. But yields on both notes fell throughout the afternoon as buyers crept back into the bond market.
  • Gold was the big winner today as investors sought safety, while the CBOE Volatility Index, or VIX, popped higher.

CITE: https://tinyurl.com/2h47urt5

🟢 What’s up

  • Investors largely shrugged at Nvidia’s many announcements today, including the ability for customers to use non-Nvidia chips in Nvidia products. Shares rose just 0.13%.
  • UnitedHealth Group posted a 8.18% gain as investors turned their attention to the suddenly cheap health insurance giant.
  • Novavax exploded 15.01% higher thanks to the FDA’s approval of its new Covid-19 vaccine.
  • TXNM Energy popped 6.98% to an all-time high on the announcement that Blackstone will acquire the power provider for $11.5 billion.

What’s down

  • Tesla tumbled 2.25% after Chinese tech giant Xiaomi announced it will debut its Yu7 sports utility vehicle, a clear Tesla challenger in a key market, on Thursday.
  • Walmart lost 0.12% after Treasury Secretary Scott Bessent met with company leadership to discuss how the retailer could “eat the tariffs.”
  • Bath & Body Works sank 0.56% after the retailer named former Nike exec Daniel Heaf as its new CEO effective immediately.
  • Reddit fell 4.63% due to a downgrade from Wells Fargo analysts who think the social media platform will lose search traffic to Google AI.
  • Diageo is down 0.69% after the maker of Johnnie Walker whiskey said it will take an annual tariff hit of $150 million.
  • Alibaba dropped 0.40% on a New York Times report that the Trump Administration is concerned with Apple’s plan to use Alibaba AI on its iPhones.
  • JPMorgan fell 1% as shareholders at the bank’s investment division grapple with CEO Jamie Dimon’s departure.
  • Solar stocks sank after the Republican tax and spending bill moved forward with a commitment to end clean energy tax credits earlier than planned. First Solar fell 7.59%, SunRun lost 7.84%, and AES lost 4.10%.

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Regeneron Pharmaceuticals will buy 23andMe for $256 million.

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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GENDER: Two Modern Paradoxes

Posted on May 19, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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GENDER

Gender is a subclass within a grammatical class (such as noun, pronoun, adjective, or verb) of a language that is partly arbitrary but also partly based on distinguishable characteristics (such as shape, social rank, manner of existence, or sex) and that determines agreement with and selection of other words or grammatical forms.

TRANS: https://medicalexecutivepost.com/2021/05/14/podcast-transgender-health-focus-on-mental-health-resiliency/

Two gender paradoxes exist:

Gender paradox: Women conform more closely than men to socio-linguistics norms that are overtly prescribed, but conform less than men when they are not.

Gender-equality paradox: Countries which promote gender equality tend to have less gender balance in some fields.

Gender Claims: https://medicalexecutivepost.com/2020/07/24/covid-19-claims-by-age-and-gender/

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FINANCIAL ADVISORS: Usually Aren’t Millionaires

Posted on May 19, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

THE TRUTH MUST BE TOLD!

By Dr. David Edward Marcinko MBA MEd CMP™

http://www.MarcinkoAssociates.com

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Financial Advisors and Financial Planners Usually Aren’t Millionaires

According to the most recent data from the Bureau of Labor Statistics (BLS), financial advisors had a median annual salary of $99,580 in 2023, which is significantly higher than the national average of $65,470. Of course, salaries of financial advisors can differ significantly by their location and level of expertise. The client’s profile may also have an impact on their compensation. But, many are not rich.

REPLACE FINANCIAL PLANNERS: https://medicalexecutivepost.com/2023/03/15/why-your-financial-planner-may-be-replaced/

This is unfortunate. Financial advisors and Financial planners don’t rank among the millionaire professions in Thomas J. Stanley and William D. Danko’s book The Millionaire Next Door. Many work as salaried employees rather than entrepreneurs, lacking the scalable income potential of business owners who reinvest profits.

Certified Medical Planner: https://medicalexecutivepost.com/2024/12/17/certified-medical-planner-niche-advisors-thrive/

Stanley and Danko also stressed frugality, a challenge for advisors pressured to flaunt success—think luxury cars or upscale offices—making them “income-statement affluent” rather than “balance-sheet affluent.”

BEST DOG FINANCIAL ADVISOR: https://medicalexecutivepost.com/2025/03/23/dog-nearly-fetches-prestigious-financial-advisor-honor/

CONCLUSION

The truth is that a Financial Advisors’ success isn’t measured in client returns. Instead it is measured in their ability to gather assets and retain clients. In other words; Financial Advisors do not need to be good with money.

Financial Advisors need to be good with marketing, advertising, sales and people.

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STOCK FUTURES: Point Lower

Posted on May 19, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

BREAKING NEWS [12:09 am, EST]

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Stock Futures are contracts to buy or sell a specific underlying asset at a future date. The underlying asset can be a commodity, a security, or other financial instrument. Futures trading requires the buyer to purchase or the seller to sell the underlying asset at the set price, whatever the market price, at the expiration date.

FUTURES: https://medicalexecutivepost.com/wp-content/uploads/2014/01/futures.pdf

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Stock futures pointed lower on Monday morning as investors weighed fresh warnings on U.S. debt and the potential for President Donald Trump’s trade war to heat up again.

Dow Futures: 42,406.00

Fair Value: 42,752.14

Change: – 330.000.77%

Implied Open: – 346.14

Late Friday night, Moody’s downgraded the U.S. credit rating one notch. This came as Congress tries to extend Trump’s tax cuts and add new ones, which are expected to deepen federal deficits.

MORE: https://medicalexecutivepost.com/2022/01/18/on-financial-futures/

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U.S. Stock Markets Surge After Tariffs Lowered

Posted on May 18, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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S&P 500 surges 20% in Six Weeks as Stock Market Euphoria Returns to Wall Street

U.S. stock markets surged after an agreement between the Trump administration and China to lower tariffs.

The Dow Jones Industrial Average rose over 1,000 points, while the NASDAQ and S&P 500 gained nearly 600 and about 100 points, respectively last week. The improvement has erased recent losses from President Donald Trump’s tariffs.

The U.S. and China agreed to reduce tariffs on each other’s goods for an initial 90 days. The U.S. will lower tariffs on Chinese products from 145% to 30%, while China will cut its tariffs on American imports from 125% to 10%.

This unexpected breakthrough has eased tensions in their trade war and positively impacted global markets.

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DAILY UPDATE: Capital One Settles Litigation as S&P 500 Rises

Posted on May 18, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Capital One has agreed to pay $425 million to settle nationwide litigation accusing it of cheating savings account depositors out of much higher interest rates by not telling them they could move their money to higher-yielding accounts. A notice describing the preliminary settlement was filed on Friday evening in U.S. federal court in Alexandria, Virginia. The accord requires a judge’s approval.

CITE: https://tinyurl.com/2h47urt5

The S&P 500 is just 3% below its record high set in mid-February, when President Donald Trump launched a trade war that began with Canada and Mexico. That puts the index around bull market territory and marks a stunning rebound from just a month ago as markets crashed after Trump unveiled his “Liberation Day” tariffs.

CITE: https://tinyurl.com/tj8smmes

Stat: $159.4 million. That’s the total paid out to six CEOs at the country’s top payers in 2024. (Fierce Healthcare)

Quote: “They couldn’t make the economics work quickly. Changing the way Americans receive healthcare services just looks like a very long slog.”—Julie Utterback, senior equity analyst at investment research firm Morningstar, on big retail chain investments in clinical care (Modern Healthcare)

Read: Could California’s experiment with near-universal healthcare be nearing its end? (KFF Health News)

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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CLEVELAND CLINIC: Controversial New Health Insurance Co-Payment Policy

Posted on May 17, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Health Insurance Co-Payments Upfront or Lose Your Appointment

Definition: A co-payment is a fixed amount you pay each time you get a particular type of healthcare service, and co-pays will generally be quite a bit smaller than deductibles. However, deductibles and co–pays are both fixed amounts, as opposed to coinsurance, which is a percentage of the claim.

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EMPLOYER’S: Pay for Health Insurance Paradox

On some health plans, certain services are covered with a co-pay before you’ve met the deductible, while other health insurance plans have co-pays only after you’ve met your deductible. And, the pre-deductible versus post-deductible co-pay rules often vary based on the type of medical service you’re receiving.

PRE-PAID PLANS: https://medicalexecutivepost.com/2025/04/17/health-insurance-pre-paid-plans/

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Starting in June 2025, Cleveland Clinic patients who can’t pay their co-pay on the spot will have non-emergency appointments rescheduled or cancelled. This new policy could make it harder for low-income people who prefer to be billed to see a clinic doctor, and create delays that could lead to medical emergencies down the road.

For example, a delay in care can mean six to eight more weeks of a tumor growing or a blood clot developing or an infection brewing.

Source: Julie Washington, cleveland.com [5/13/25]

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LANGUAGE: Cognitive Science & Linguistics Defined

Posted on May 17, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

SPONSOR: http://www.HealthDictionarySeries.org

By Staff Reporters

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Cognitive science is the interdisciplinary study of the mind and cognition. According to linguistics Professor Mackenzie H. Marcinko PhD, it combines various aspects from neuroscience, computer science, psychology, philosophy, linguistics, anthropology, and other fields, into a comprehensive study on the nature of intelligence.

Cognitive Science: https://medicalexecutivepost.com/2025/03/28/theory-linguistics-and-cognitive-sciences/

Linguistics is the scientific study of language and its structure, including the study of morphology, syntax, phonetics, and semantics. Specific branches of linguistics include sociolinguistics, dialectology, psycholinguistics, computational linguistics, historical-comparative linguistics and applied linguistics.

Healthcare Natural Language Processing: https://medicalexecutivepost.com/2021/05/18/podcast-healthcare-artificial-intelligence-machine-learning-and-natural-language-processing/

Now, language and linguistics are closely related fields of study but they have distinct focuses.

Language refers to the system of communication used by humans, encompassing spoken, written, and signed forms. It is a means of expressing thoughts, ideas, and emotions.

On the other hand, linguistics is the scientific study of language itself. It examines the structure, sounds, meaning, and evolution of languages, as well as how they are acquired and used by individuals and communities.

While language is a broader concept that encompasses various forms of communication, linguistics delves into the intricate details and mechanics of language, aiming to understand its underlying principles and patterns.

Google Language: https://medicalexecutivepost.com/2023/12/07/gemini-googles-large-language-model-released/

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DAILY UPDATE: PBMs, Cable Companies Merge as Stock Markets Rise

Posted on May 17, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Arkansas just passed a first-if-its-kind law banning vertical integration between pharmacy benefit managers (PBMs) and pharmacies. Arkansas Governor Sarah Huckabee Sanders on April 16th signed a law prohibiting any company that owns a PBM from also owning or operating pharmacies in the state. The goal of the law is to eliminate “conflicts of interest” that lead to higher drug prices and care delays, according to a press release.

CITE: https://tinyurl.com/2h47urt5

🟢 What’s up

  • Nvidia climbed 0.42% on reports that the US and United Arab Emirates are nearing a deal that would allow the UAE to import 500,000 chips per year. But shares lost some ground after the company denied reports that it will build a new R&D center in Shanghai.
  • Galaxy Digital made its long-awaited debut on the Nasdaq today, with the crypto/data center company climbing 4.06%. The company is reportedly in conversation with the SEC to tokenize its stock.
  • Virgin Galactic rocketed 43.28% higher on the space tourism company’s announcement that it will restart commercial spaceflights.
  • Coinbase climbed 9.01% after Oppenheimer analysts said the market’s reaction to recent news of a hack and an SEC probe were “overblown.”
  • CoreWeave soared 22.09% after Nvidia disclosed a larger stake in the data center provider than expected.
  • Quantum computing stocks popped on news that the company Quantum Computing has finished laying the groundwork for a quantum chip foundry. Shares of Quantum Computing rose 39.29%, while D-Wave Quantum gained 11.06%.
  • Archer Aviation soared 9.11% after being named the Official Air Taxi Provider of the 2028 Los Angeles Olympic and Paralympic Games, which sounds made up but is apparently very impressive.
  • Vistra Corp popped 3.06% on the news that it has acquired seven natural gas facilities from Lotus Infrastructure Partners for $1.9 billion.

What’s down

  • Novo Nordisk slipped 2.69% on the news that its CEO is stepping down after eight years at the helm, due to the pharma giant’s recent challenges.
  • Applied Materials sank 5.25% after the semiconductor maker’s revenue last quarter came in under analyst estimates.
  • Cava crumbled 2.27% thanks to financial forecasts of slower growth for the salad bowl chain in the coming year.
  • Take-Two Interactive Software lost 2.41% due to weaker-than-expected projections for net bookings this quarter and this year.
  • Doximity plunged 10.08% after the healthcare platform issued fiscal guidance for the current quarter and full year that came in below analyst expectations.

CITE: https://tinyurl.com/tj8smmes

Two of the biggest cable companies in the United States have agreed to merge, marking a major milestone in consolidation as cord-cutters continue to ditch their pricey TV packages, thus forcing companies to adjust to their dwindling futures. Charter Communications, which operates under the Spectrum branding, is combining with its privately held rival Cox Communications, which it values at $34.5 billion including debt, the two companies announced Friday.

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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OAK STREET HEALTH: Agrees to Pay $60M to Resolve Alleged False Claims Act Liability for Paying Kickbacks to Insurance Agents in Medicare Advantage Patient Recruitment Scheme

Posted on May 16, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Oak Street Health, headquartered in Chicago and a wholly-owned subsidiary of CVS Health since 2023, has agreed to pay $60 million to resolve allegations that it violated the False Claims Act by paying kickbacks to third-party insurance agents in exchange for recruiting seniors to Oak Street Health’s primary care clinics.

Part C: https://medicalexecutivepost.com/2024/05/03/eschew-medicare-advantage-part-c-plans-now/

The Anti-Kickback Statute prohibits anyone from offering or paying, directly or indirectly, any remuneration — which includes money or any other thing of value — to induce referrals of patients or to provide recommendations of items or services covered by Medicare, Medicaid and other federally funded programs. Under the Medicare Advantage (MA) Program, also known as Part C, Medicare beneficiaries have the option to obtain their health care through privately-operated insurance plans known as MA plans. Some MA Plans contract with health care providers, including Oak Street Health, to provide their plan members with primary care services.

Medicare Advantage Rates: https://medicalexecutivepost.com/2025/04/28/medicare-advantage-plan-rates-substantially-increased-for-2026/

The United States alleged that, in 2020, Oak Street Health developed a program to increase patient membership called the Client Awareness Program. Under the Program, third-party insurance agents contacted seniors eligible for or enrolled in Medicare Advantage and delivered marketing messages designed to generate interest in Oak Street Health. Agents then referred interested seniors to an Oak Street Health employee via a three-way phone call, otherwise known as a “warm transfer,” and/or an electronic submission.

MEDICARE PART C: Humana Used A.I. Tool from UnitedHealth to Deny Medicare Advantage Claims

In exchange, Oak Street Health paid agents typically $200 per beneficiary referred or recommended. These payments incentivized agents to base their referrals and recommendations on the financial motivations of Oak Street Health rather than the best interests of seniors. The settlement resolves allegations that, from September 2020 through December 2022, Oak Street Health knowingly submitted, and caused the submission of, false claims to Medicare arising from kickbacks to agents that violated the Anti-Kickback Statute.

US Department of Justice: https://www.justice.gov/archives/opa/pr/oak-street-health-agrees-pay-60m-resolve-alleged-false-claims-act-liability-paying-kickbacks

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Stock Markets Up Slightly, Recession Still Possible as Oil Tumbles

Posted on May 16, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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  • Markets started the day down yesterday but regained lost ground throughout the afternoon as investors decided that any day with no new tariff announcements is a good day.
  • Be advised: Fed Chair Jerome Powell warned that “supply shocks” pose a challenge for the economy, and that interest rates may need to remain higher for longer. Meanwhile, JPMorgan Chase CEO Jamie Dimon said a recession is still on the table.
  • Oil took a tumble on comments by President Trump that the US is nearing a deal with Iran over its nuclear program that could lift sanctions against the country.

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DAILY UPDATE: UnitedHealth Group Alert as Stocks End Slightly Mixed

Posted on May 16, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Essays, Opinions and Curated News in Health Economics, Investing, Business, Management and Financial Planning for Physician Entrepreneurs and their Savvy Advisors and Consultants

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The Justice Department is investigating UnitedHealth Group for possible criminal Medicare fraud, the WSJ reported. The healthcare-fraud unit of the Justice Department’s criminal division is overseeing the investigation and it has been an active probe since at least last summer. Apparently the federal investigation is focusing on the company’s Medicare Advantage business practices. UnitedHealth said in a statement it hadn’t been notified by the Justice Department of the criminal investigation. The statement said the company stands “by the integrity of the Medicare Advantage program.”

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🟢 What’s up

  • Foot Locker exploded 85.70% on the news that Dick’s Sporting Goods will acquire the footwear retailer for $2.4 billion. Dick’s shares sank 14.58%.
  • Speaking of shoes, Boot Barn soared 16.66% thanks to the Western footwear seller’s record revenue last quarter.
  • And in more shoe news, Birkenstock gained 5.89% after the purveyor of the world’s ugliest sandals missed revenue estimates but beat on profits.
  • Under Armour rose 4.47% after the sportswear retailer issued a “meh” earnings report and pulled its fiscal forecast.
  • Cisco climbed 4.85% after the networking company beat Wall Street analysts’ expectations and also issued better-than-expected fiscal guidance.
  • Hopefully you botta ’da stock: Ibotta rocketed 20.01% higher on strong earnings for the cash-back app.

What’s down

  • Apple fell 0.41% on news that President Trump scolded Tim Cook for trying to build iPhones in India.
  • Meta Platforms dropped 2.35% thanks to a Wall Street Journal report that the social media giant has delayed the debut of its flagship AI model.
  • UnitedHealth Group plummeted 10.93% on a Wall Street Journal report that the health insurer is being investigated for criminal Medicare fraud.
  • Ubisoft plunged 13.28% after the video game studio reported a 20.5% decline in net bookings last quarter.
  • Coinbase crumbled 7.20% on news that hackers bribed employees to steal customer information and that it will take $400 million to fix the mess.
  • DXC Technology sank 3.26% thanks to shockingly low fiscal guidance from the IT company.
  • Fiserv’s CFO said that the fintech’s retail payment system will see similar volume next quarter. Shareholders hoping for stronger growth were disappointed and pushed shares down 16.19%.

CITE: https://tinyurl.com/tj8smmes

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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MENTAL HEALTH: Awareness Month in May 2025

Posted on May 15, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.CertifiedMedicalPlanner.org

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Mental Health Awareness Month

Mental Health Awareness Month was established in 1949 to increase awareness of the importance of mental health and wellness in Americans’ lives and to celebrate recovery from mental illness.

START-UPS: https://medicalexecutivepost.com/2024/07/14/mental-health-entrepreneurial-start-up-companies/

For more than 20 years, the Substance Abuse and Mental Health Services Administration (SAMHSA) has recognized Mental Health Awareness Month (MHAM) every May to increase awareness about the vital role mental health plays in our overall health and well-being and provide resources and information to support individuals and communities who may need mental health support.

SAMHSA: https://www.samhsa.gov/about/digital-toolkits/mental-health-awareness-month

MORE: https://www.whitehouse.gov/presidential-actions/2025/05/national-mental-health-awareness-month-2025/

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DAILY UPDATE: Rite Aid and MSFT Down as Markets End Mixed

Posted on May 15, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Rite Aid has announced that it is set to close 115 stores as part of the Chapter 11 bankruptcy proceedings it began earlier this month. The company published a slate of 47 closing stores in an initial filing in the U.S. Bankruptcy Court for the District of New Jersey and added 68 more locations in a May 9th filing. 

CITE: https://tinyurl.com/2h47urt5

🟢 What’s up

  • Nvidia climbed 3.97% on CEO Jensen Huang’s announcement of a partnership with Saudi Arabia-backed Humain to build a 500 megawatt data center.
  • Advanced Micro Devices popped 4.18% after it, too, revealed it’s helping Humain out. The chipmaker’s board also authorized a $6 billion stock buyback program.
  • Super Micro Computer continued to rally, soaring another 15.69% on the back of Raymond James analysts’ initiating their coverage with an “outperform” rating.
  • Boeing climbed 0.59% thanks to a $96 billion deal with Qatar Airlines to buy up to 210 aircraft.
  • Oklo jumped 14.12% after the nuclear power startup revealed a smaller-than-expected loss last quarter.
  • Exelixis soared 19.70% after the oncology company reported a shockingly strong beat-and-raise quarter.
  • Septerna exploded 28.97% on the news that Novo Nordisk will license its oral obesity pill candidate for $2.2 billion.

What’s down

  • Airline stocks were down across the board after the FAA met with executives to discuss cutting flights in and out of Newark Airport. Delta Air Lines lost 4.32%, and United Airlines sank 3.51%.
  • American Eagle Outfitters tumbled 5.93% after the retailer cut its fiscal guidance, announced it’s writing down $75 million in merchandise, and forecast a decline in next quarter’s sales.
  • Grail plummeted 23.48% after the biotech’s revenue last quarter failed to meet Wall Street’s expectations.
  • Aurora Innovation fell 7.58% thanks to an announcement from Uber that it’s offering $1 billion in convertible notes that can be exchanged for Aurora shares.
  • JD.com lost 4.24% after the Chinese online retailer beat earnings expectations yesterday but still saw its price target cut by Morgan Stanley analysts.

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Inflation rose by 2.3% in April, less than economists feared, though the rate likely still doesn’t show the full effect of tariffs.

Microsoft is cutting 3% of its workforce, or about 6,000 employees, in order to reduce layers of management, a spokesperson told CNBC.

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Why Tariffs Won’t Bring Back the “Good Old Days”

Posted on May 14, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Rick Kahler MSFP CFP™

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If I had a dollar for every time someone referred to the “good old days,” of the American economy, I could probably buy a vintage diner, jukebox and all, and still have enough left for a slice of apple pie.

The newest round of on-again, off-again tariffs is built around that same kind of nostalgia. Slapping big taxes on goods from other countries will supposedly protect American jobs and industries. The aim is to bring factories back, boost wages, and make the country more self-reliant.

This is a powerful story that taps into a deep feeling that we’ve lost control. Supporters argue that the U.S. has opened its markets and played by the rules, allowing many other countries to prosper at its expense, while America has been in a long, slow economic decline. This story frames the U.S. as a victim, with tariffs a form of payback to punish countries that have “taken advantage of us.”

Except that story is a myth. Rather than punishing foreign economies, the pain of tariffs hits Americans at home. Our businesses face costlier goods, consumers pay higher prices at the store, and the ripple effects include falling sales, layoffs, and frayed trade relationships.

In addition, the U.S. economy has actually been booming. Over the past three decades, the U.S. has pulled far ahead of most developed nations. In 2008, the American economy was about the same size as the Eurozone’s. Today, it’s nearly twice as large. Wages have risen. Even the poorest U.S. state now has a higher per-person income than countries like France, Japan, or the U.K.

So why do so many people still feel like we’re falling behind?

First, the growth hasn’t reached everyone, especially in rural America. In some areas and industries, jobs have disappeared and opportunities have dwindled.

Second, many people who are doing okay themselves have bought into a powerful, repeated myth that things are going terribly for everyone else.

This narrative takes hold in people’s internal voices, the parts of themselves shaped by past pain, fear, or frustration. Tariffs, then, can feel like a way to stand up and take action. It makes perfect sense to want to relieve anxiety by shutting the world out and protecting what is left.

Yet, when we act from fear or anger without pausing to reflect, we tend to overcorrect or trade one set of problems for another. This is what many economists and business leaders see happening with tariffs. Even supporters of tariffs are beginning to admit they’re a gamble. Many are still willing to take that gamble if it means restoring something they feel they’ve lost, a sense of purpose, security, and control.

Reacting out of fear in this way is not likely to create lasting solutions. A more challenging but more productive approach would be to take time to listen with compassion to those inner voices, helping them move past anxiety to find answers based in truth rather than myth. Maybe real liberation comes from letting go of narratives that no longer serve us, choosing a future built on connection, courage, and clarity.

Because if we keep heading down an isolationist path, turning inward out of fear, the future might not be the golden age we imagine. It might look a lot more like the actual 1950s, before the civil rights movement, before women fully entered the workforce, before the innovations that made the U.S. economy a global leader. A time more isolated, less equal, and far less dynamic than the one we’ve come to idealize.

That’s a version of the past we don’t need to relive, no matter what nostalgic song is playing on the jukebox.

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SPINAL CORD: Injury Awareness Day 2025

Posted on May 14, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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History of Spinal Cord Injury Awareness Day

The first mention of spinal cord injuries was in the ancient Egyptian Edwin Smith’s papyrus from 2,500 B.C. The ancient Egyptian physicians described the injury as “untreatable.”

The first treatment for spinal cord injuries occurred in ancient India, where Hindu doctors used traction techniques to straighten the spine. The Greeks also employed the same technique as the Hindus. For example, Hippocrates — born in the 5th century B.C. — developed traction devices that helped straighten patients’ spines. It wasn’t until the second century A.D. that Galen, a Greek physician, discovered the relation between spinal cord injuries and loss of autonomic function and sensation.

Paul of Aegina, born in 625 A.D., became the first physician to pioneer surgical techniques for spinal cord injuries. He employed laminectomy to relieve pressure on the spine and recommended using a windlass to reduce the dislocation. The notion and treatment remained the same until the latter half of the 20th century; physicians continued to believe that spinal cord injuries were incurable. Although during the Renaissance, Leonardo da Vinci and Andreas Vesalius, made contributions to S.C.I. through their accurate depiction of the human spine and nerves.

In 1981, the Canadians Albert Aguayo and Sam David ended the millennia-long belief that S.C.I. is incurable. Through experiments on rats, they showed that axons could regenerate in the central nervous system in the right environment. The introduction of imaging, surgery, medical care, and rehabilitation medicine in the mid-20th century helped improve the care for spinal cord injuries and increased the life expectancy of those living with the condition.

CHIROPRACTORS: https://medicalexecutivepost.com/2014/10/14/career-advice-for-those-interested-in-chiropracty/

Finally, the creation of emergency medical transport services in the 1970s contributed to these improvements in S.C.I. treatment.

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DAILY UPDATE: Inflation Down, Wage Garnishments Up but Stocks Finish Mixed

Posted on May 14, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Inflation fell by one tenth of a percentage point to 2.3% for the year ending in April, the Bureau of Labor Statistics reported Tuesday in an update to the consumer price index. Forecasters had expected inflation to hold at 2.4%. 

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What’s up

  • Coinbase exploded 23.97% on the news that the crypto trading platform will be added to the S&P 500 next week.
  • Nvidia climbed back into the elite $3 trillion market cap club today, rising 5.63% on the announcement that it will send 18,000 AI chips to Saudi Arabia.
  • Solar stocks soared after early drafts of a Republican tax and spending bill revealed renewable energy cuts weren’t as bad as feared. First Solar climbed 22.66%, while SunRun popped 8.58%.
  • Super Micro Computer climbed 16.02% thanks to Raymond James analysts initiating their coverage of the server maker with an “outperform” rating.
  • Boeing rose 2.46% now that the Chinese government has removed its ban on domestic airlines accepting orders from the plane manufacturer.
  • Rising sentiment powered popular momentum stocks higher today: Palantir rose 8.14%, AppLovin climbed 6.38%, Robinhood Markets jumped 8.95%, and Hims & Hers Health gained 15.92%.

What’s down

  • Honda Motor fell 4.20% after the company warned that tariffs will ding its bottom line and postponed its plans to build an EV plant in Canada.
  • Hertz Global plunged 16.93% after it missed analyst estimates across the board and announced it will offer fewer cars for rentals this year.
  • Enphase Energy lost 4.82% on a downgrade from Barclays analysts, who foresee slower demand for residential solar power products.
  • Rigetti Computing dropped 14.59% after the quantum computing company failed to live up to the high expectations that strong results from its competitors had given shareholders.

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Wage garnishment for defaulted student loans to begin this summer.

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CUBAN: Health Care Paradox

Posted on May 13, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Classic Definition: In our hemisphere, there is the mystery of the Cuban health care paradox.

Modern Circumstance: This small island country whose economy produces about $6,000 in goods and services per person annually, a mere fraction of U.S. economic activity, lacks access to many commonly used drugs. Specialty medical care is scarce, and obesity rates are high and growing.

Paradox Example: Yet Cuba paradoxically boasts a life expectancy that surpasses the U.S. by six months. So, could this finding be explained by their diet, too, one that is rich in fresh produce, but low in saturated fats?

Question: Or, might it be related to their accessibility to primary care services and high compliance rates of childhood vaccination?

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UNITEDHEALTH GROUP CEO: Quits and Suspends Annual Forecast

Posted on May 13, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

BREAKING NEWS

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UnitedHealth Group just announced the exit of CEO Andrew Witty and suspended its 2025 forecast due to surging medical costs, sending its shares down more than 10%. Chairman Stephen Hemsley will become CEO, effective immediately.

Medicare Advantage: https://medicalexecutivepost.com/2024/10/11/medicare-advantage-part-c-plans-face-headwinds/

The fourth-largest U.S company big revenue in 2024, Minnetonka-based UnitedHealth has experienced a turbulent year that saw the shock killing of United Healthcare CEO Brian Thompson in New York City, and a cyberattack that affecting an estimated 190 million people and cost the company an estimated $3.1 billion dollars.

UnitedHealth: https://medicalexecutivepost.com/2025/04/17/unitedhealth-stock-dives/

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OMADA: Digital Health Company Files for IPO

Posted on May 13, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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Virtual chronic care provider Omada Health has filed to go public in the United States, the latest in a string of healthcare listings expected this year. Omada did not disclose the details as to how much it plans to raise from its IPO.

IPO: https://medicalexecutivepost.com/2025/03/02/ipo-road-show-with-pros-and-cons/

The San Francisco, California-based company, which last raised $192 million in a Series E funding round in 2022, reported a 38% increase in revenue to $169.8 million for 2024, according to its IPO paperwork. For the first quarter of 2025, the company posted a 56.6% year-on-year jump in revenue to $55 million. Omada has applied to list its common stock on the NASDAQ under the symbol “OMDA”.

Healthcare IPOs on U.S. exchanges have fetched $7.1 billion in 2024, compared with $2.8 billion a year earlier, according to data compiled by LSEG.

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DAILY UPDATE: Medicare Advantage [Part C] Down as Stock Markets Blast Off

Posted on May 13, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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During the 2024–25 Annual Enrollment Period, Medicare Advantage drew in only 1.3 million new members, compared to 2+ million in each of the five years prior, according to a March 25 report by consulting firm HealthScape Advisors. Traditional fee-for-service Medicare grew by about 200,000 after years of losing hundreds of thousands of members, according to HealthScape. During the 2023–24 AEP, it lost about 800,000.

CITE: https://tinyurl.com/2h47urt5

🟢 What’s up

  • Semiconductor stocks that looked like some of the biggest losers of the trade war just last week soared on today’s China/US deal. Nvidia popped 5.44%, TSMC rose 5.93%, AMD climbed 5.13%, Broadcom rose 6.43%, and Qualcomm gained 4.78%.
  • Magnificent Seven stocks also shot higher, particularly Apple (6.31%) and Amazon (8.07%), two companies that were bearing the brunt of higher tariffs.
  • Tesla jumped 6.75% on the tariff deal news, given a massive production plant that was responsible for 22% of Tesla’s total revenue last year is located in China.
  • US-listed Chinese stocks popped, for obvious reasons: JD.com gained 6.47%, Alibaba rose 5.82%, and Baidu climbed 5.08%.
  • Healthcare company Kindly MD soared 251.03% today after merging with Nakamoto, a bitcoin investment company founded by Trump’s crypto advisor David Bailey.
  • NRG Energy popped 26.21% after it agreed to acquire a slew of natural gas facilities from LS Power Equity Advisors.
  • Next Technology Holding soared 38.56% after the software company added 5,000 bitcoin to its portfolio and said it wants to add even more.

What’s down

  • EchoStar tumbled 16.58% today after the Wall Street Journal reported that the Federal Communications Commission was opening an investigation into the firm’s 5G network.
  • A slew of metal mining stocks fell today as gold declined on the tariff deal: AngloGold Ashanti fell 10.31%, Wheaton Precious Metals dropped 7.92%, Newmont Corporation lost 5.93%, and Gold Fields Limited sank 10.47%.

CITE: https://tinyurl.com/tj8smmes

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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Stocks and Alternative Investments

Posted on May 12, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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The Dow Jones exploded 1,000 points in pre-market trading, and the rally never waned toay. Both the Dow and the S&P 500 are nearly back to even for the year, while the NASDAQ clawed its way out of bear market territory.

Bonds tumbled while yields soared as the market pushed the timing for the Fed to cut interest rates back from July to September.

Gold sank as traders passed right on by the go-to investment for safety and sprinted straight toward equities.

Crude oil popped on the hopes of stronger economic growth for both the US and China now that the two countries are finally engaging in trade discussions.

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TRUMP: Brings Down Prescription Drug Costs

Posted on May 12, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters and ChatGPT

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President Trump to bring down prescription costs

In a Sunday post to Truth Social, President Trump signed an executive order at 9 am today to institute a most-favored-nation policy with pharmaceutical companies that he predicted could lower drug prices by 30% to 80%.

PBMs: https://medicalexecutivepost.com/2022/01/15/podcast-pharma-rebates-to-pbms/

“The United States will pay the same price as the Nation that pays the lowest price anywhere in the World,”

While Americans pay more for pharmaceuticals than any other country, Bloomberg reported that the American market fuels innovation and drives growth in the industry. Drug makers have pushed back on previous efforts to revamp the system in the US, saying it would make revenue evaporate and hinder the development of potentially lifesaving drugs.

WEIGHT LOSS: https://medicalexecutivepost.com/2023/10/24/weight-loss-drugs-for-kids-stocks-for-adults/

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STOCK MARKETS: Overnight Futures Soaring!

Posted on May 12, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

BREAKING NEWS

By Staff Reporters

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Markets: After stomach-churning ups and downs this spring, the stock market calmed down last week with all three major indexes holding steady and closing just a bit lower. This week, investors will be glued to the details of the trade agreement with China, an inflation report, and more earnings.

Breaking News Overnight: After talks in Switzerland this weekend, the US and China agreed to a large reduction in tariffs on each other. The US is lowering its tariffs on China from 145% to 30%, while China is lowering its tariffs on the US from 125% to 10%. The new tariff rates will be in effect for 90 days while the two sides continue talking.

Stocks are Soaring. Dow Futures (7:50 AM, EST)

Dow Futures 42,340.00

Fair Value 41,321.34

Change + 1,017.002.46%

Implied Open + 1,018.66

S&P 500 Futures 5,848.25

Fair Value 5,676.70

Change + 170.253.00%

Implied Open + 171.55

NASDAQ Futures 20,911.50

Fair Value 20,133.56

Change + 774.753.85%

Implied Open + 777.94

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DEEPSEEK: Breaks the Artificial Intelligence Paradigm

Posted on May 12, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Vitaliy Katsenelson CFA

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I’ve received emails from readers asking my thoughts on DeepSeek. I need to start with two warnings. First, the usual one: I’m a generalist value investor, not a technology specialist (last week I was analyzing a bank and an oil company), so my knowledge of AI models is superficial. Second, and more unusually, we don’t have all the facts yet.

But this story could represent a major step change in both AI and geopolitics.

Here’s what we know:

DeepSeek—a year-old startup in China that spun out of a hedge fund—has built a fully functioning large language model (LLM) that performs on par with the latest AI models. This part of the story has been verified by the industry: DeepSeek has been tested and compared to other top LLMs. I’ve personally been playing with DeepSeek over the last few days, and the results it spit out were very similar to those produced by ChatGPT and Perplexity—only faster.

This alone is impressive, especially considering that just six months ago, Eric Schmidt (former Google CEO, and certainly no generalist) suggested China was two to three years behind the U.S. in AI.

But here’s the truly shocking—and unverified—part: DeepSeek claims they trained their model for only $5.6 million, while U.S. counterparts have reportedly spent hundreds of millions or even billions of dollars. That’s 20 to 200 times less.

The implications, if true, are stunning. Despite the U.S. government’s export controls on AI chips to China, DeepSeek allegedly trained its LLM on older-generation chips, using a small fraction of the computing power and electricity that its Western competitors have. While everyone assumed that AI’s future lay in faster, better chips—where the only real choice is Nvidia or Nvidia—this previously unknown company has achieved near parity with its American counterparts swimming in cash and datacenters full of the latest Nvidia chips. DeepSeek (allegedly) had huge compute constraints and thus had to use different logic, becoming more efficient with subpar hardware to achieve a similar result.

In other words, this scrappy startup, in its quest to create a better AI “brain,” used brains where everyone else was focusing on brawn—it literally taught AI how to reason.

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PARADOX: Warren Buffett and Berkshire Hathaway (BRK)

Posted on May 11, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Vitaliy Katsenelson CFA

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I am back from what has become over the past two decades an annual pilgrimage to Omaha. 

What’s fascinating about this trip is that it has everything and nothing to do with Warren Buffett. The main event that draws everyone to Omaha – the Berkshire Hathaway (BRK) annual meeting – is actually the least important part. I could have watched the shareholder meeting livestreamed on YouTube from the comfort of my living room couch.

The emergence of the Berkshire phenomenon reminds me of China’s manufacturing evolution. China initially attracted capital because of its cheap labor. But over time, China took this capital and plowed it into infrastructure. Factories were built next to each other, each specializing in certain areas. A specialized ecosystem emerged. 

Today, Chinese labor is no longer cheap. It’s been replaced by automation, and now China is a powerhouse for manufacturing anything and everything.

The transformation that the BRK weekend has undergone followed a similar progression. Initially, the only way to absorb Buffett and Munger’s wisdom was to come to Omaha, as the event was not streamed. But then something interesting happened. The BRK weekend attracted people who shared the same value system, and friendships were formed. A variety of smaller events began to be scheduled throughout the same weekend across Omaha, and an equally specialized ecosystem emerged.

The shareholder meeting began to be streamed about ten years ago, but that has had no impact on attendance. This is one reason why I think Buffett is at peace with the idea of no longer presiding at the meeting – people will still come to Omaha the weekend before Mother’s Day.
The BRK weekend now features dozens of excellent events. 

I spoke at several, including an investing panel at Creighton University, alongside the wonderful Bob Robotti, a die-hard value investor who runs Robotti & Co. I’ve known Bob for years – at 72, he exhibits the same enthusiasm for stocks as someone decades younger – and this panel was an excellent example of what the BRK Omaha ecosystem has produced.

Bob and I have very different approaches to value investing. He loves cyclical businesses, while I generally shun them. Bob mentioned that he’d buy a very cheap business run by a mediocre manager, while I would not touch it with a ten-foot pole. 

There is absolutely nothing wrong with either approach; indeed, there is an important lesson in it. Your investment philosophy and process have to fit your personality and your EQ. In my case, I get nervous (and thus irrational) when I own companies run by imbeciles who don’t have either skin or soul in the game. But the great thing about the BRK weekend is that I learn from Bob every time I spend time with him. He’s a thoughtful and genuinely kind human being. 

From the outside, the BRK weekend may seem like a place where people simply want to learn how to get and stay rich. But this gathering transcends value investing and capitalism and genuinely celebrates human values. People (like me) bring their kids to this event. And just like at the main event, at the Q&A breakfast I hosted for my readers, many questions centered on life rather than investing.

My first Omaha reader meetup fit around a small restaurant table. This year, to my surprise, 450 people packed into a venue with standing-room only. I answered questions on every imaginable topic for just over two hours, and by the end I was exhausted. 

This gave me even greater admiration for Buffett, who is four decades my senior, yet still fielded questions for four solid hours. I was delighted to hear Warren give a similar answer to one I had given the day before when asked what advice he’d give to graduating students: 
“Don’t worry too much about starting salaries and be very careful who you work for because you will take on the habits of the people around you.” 

(Incidentally, we are going to host our next Q&A Breakfast on May 1, 2026. You can sign up for it here. It’s free, but I suggest you sign up early, as it fills up fast.)

I also participated (as I have for over a decade) in an investing panel at YPO (Young President Organization) in the beautiful Holland Performance Art Center with Tom Gaynor, CEO of Markel (often described as a baby Berkshire Hathaway) and Lawrence Cunningham. Lawrence authored perhaps the most important book about Buffett, The Essays of Warren Buffett, masterfully editing Warren’s annual letters into a cohesive volume. This year’s panel was one of those occasions where I found myself listening intently to my fellow panelists instead of speaking more.

Lawrence has met Greg Abel – Buffett’s designated successor – and feels optimistic about him. He’s probably right – this was one of Buffett’s most crucial decisions, which he did not make lightly. Yet I can’t imagine sitting for four hours listening to Greg Abel. I am sure he is a brilliant CEO, but he’s neither Buffett nor Munger – few individuals possess so much worldly wisdom and communicate it with such clarity and humor.

This brings me to the point of this note: the dramatic (yet not unexpected) announcement that Buffett is stepping down as CEO of BRK at the end of the year.

Before I comment on this, let me tell you a story. Imagine you have been watching a soap opera for 17 years. You arrive dutifully every year to watch every episode in person. And then you miss the last five minutes of the explosive finale before it goes off the air. This is what happened to me when Buffett announced his retirement as CEO.

A few minutes before noon, while Buffett was answering a question I’d heard before and appeared to be winding down, I suggested we slip out early for lunch to avoid the crowds. When we came back, I discovered that the meeting had gone on until 1 pm, and just before it ended, Buffett announced that he would step down at the end of the year. Seventeen years of watching Warren speak and I missed the most dramatic moment of all, followed by a five-minute standing ovation.

I think Buffett has engineered his exit brilliantly. He will still remain chairman, and even before the announcement he was not managing BRK’s day-to-day operations. As a collection of hundreds of companies that often have absolutely nothing in common with each other, BRK is already highly decentralized. Buffett’s main contribution has been capital allocation.

Giving up the CEO title while he’s still alive means Buffett has brought in his replacement in an orderly way and created a smooth transition. But I have a feeling that on January 1, 2026, when Greg Abel officially becomes CEO, nothing will really change, and Warren will continue doing what he’s been doing for as long as he can. If Buffett is able – he’ll be 95 – he’ll still drive to the office and stop by McDonald’s for a breakfast sandwich (there’s a lot of wisdom in finding pleasure in little things). His son Howard Buffett will become chairman after Warren, with his only job being to preserve the culture.
I’ve been asked what I think of BRK stock. We bought the stock during the pandemic. It has done better than I expected, in part because of the strong performance of Apple, which was BRK’s largest holding. But BRK today is an unexciting investment at its current price. In all honesty, it is a conglomerate with some good and some merely okay businesses.

As a consumer, I get a (small) glimpse into how BRK businesses are being run by visiting Dairy Queen. BRK owns DQ, and I love their soft-serve ice cream (though I only eat it when I travel). My favorite part of research!

DQ has (or maybe had) a strong brand and operates on a capital-light model as a franchisor. But most stores I have visited looked like they have been neglected and need fresh paint. To be sure, I understand the limitations of this “analysis,” and DQ overall amounts to a rounding error on BRK’s financials. But little things often reveal much about big things.

BRK’s big businesses, from what I can glean through their financials, are not particularly well managed – GEICO and BNSF (railroad) have definitely been undermanaged lately. BNSF is not nearly as efficient as its competitors that embraced precision railroading, and until recently GEICO was losing market share to Progressive. 

BRK’s reinsurance business, a significant source of BRK’s profitability, is run by the extraordinary Ajit Jain. Ajit is in his 70s and unfortunately it seems he is not in great health. Is his replacement going to shoot the lights out, like he did? We don’t know. But Ajit is probably more important to BRK today than Buffett.

BRK is not going to melt into oblivion after Buffett is gone, but its best days are behind it. As Buffett has acknowledged, just its size alone makes it very difficult for BRK to grow. Truth be told, even if Buffett were thirty years younger and continued to run BRK, I am not sure the results would be much different than what I think the future holds with Abel at the helm. 

Buffett and Charlie Munger had a tremendous impact on me as an investor and human being. I am incredibly thankful to both. I hope Warren is there next year, but, in either case, I will be.

As value investors say, “next year in Omaha”.

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World Lupus Day

Posted on May 10, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Dr. David Edward Marcinko; MBA MEd

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Every year on May 10th, the world comes together to observe World Lupus Day.

Lupus is a disease that occurs when your body’s immune system attacks your own tissues and organs (autoimmune disease). Inflammation caused by lupus can affect many different body systems — including your joints, skin, kidneys, blood cells, brain, heart and lungs. Lupus can be difficult to diagnose because its signs and symptoms often mimic those of other ailments. The most distinctive sign of lupus — a facial rash that resembles the wings of a butterfly unfolding across both cheeks — occurs in many but not all cases of lupus. Some people are born with a tendency toward developing lupus, which may be triggered by infections, certain drugs or even sunlight. While there’s no cure for lupus, treatments can help control symptoms.

In 2025, this important day continues its mission of raising awareness about lupus, supporting those affected, and promoting further research into this complex autoimmune condition.

READ: https://tinyurl.com/4bfcvjtx

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DAILY UPDATE: Stock Markets End Week Mixed as UnitedHealthcare Group is Sued

Posted on May 10, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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“Serving Almost One Million Doctors, Financial Advisors and Medical Management Consultants Daily“

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  • Meta is reportedly developing a “super-sensing” mode for its AI glasses that could identify people by name.
  • De Beers, the South African-British diamond giant, is closing its lab-grown diamond business, the company announced, as the value of human-made gems declines.
  • Coinbase acquired Deribit, a popular trading platform for bitcoin and ether options, for $2.9 billion.
  • FEMA acting head Cameron Hamilton was fired yesterday, Politico reported, amid reports that President Trump could look to shrink the department or eliminate it entirely.
  • Match Group, which owns Hinge and Tinder, cut 13% of its workforce as it seeks a turnaround following several executive departures and pressure from activist investors.

CITE: https://tinyurl.com/2h47urt5

🟢 What’s up

  • Microchip Technology climbed 12.60% on a solid beat-and-raise quarter for the semiconductor stock.
  • Pinterest gained 4.84% thanks to higher-than-expected revenue last quarter and projected strong revenue growth in the current quarter.
  • Insulet popped 20.88% after the insulin device manufacturer crushed Wall Street’s estimates on the top and bottom lines and raised its fiscal forecast.
  • Trade Desk soared 18.60% thanks to an impressive first quarter for the digital marketing company, including EPS of $0.33 compared to forecasts of $0.25.
  • DraftKings rose 2.49% thanks to a smaller-than-expected loss last quarter due in part to fewer March Madness upsets than usual.
  • Cloudflare popped 6.32% on strong earnings after the cloud services provider inked its biggest contract ever last quarter.
  • Monster Beverage missed first-quarter revenue estimates, but the energy drink giant still managed to climb 1.43%.

What’s down

  • United Airlines lost 2.69% on the news that Newark Airport experienced its second major outage in two weeks.
  • Coinbase stumbled 3.48% lower on a surprise revenue miss last quarter, thanks to a 17% decline in consumer trading volume.
  • Expedia beat profit estimates, but lower revenue thanks to a travel spending slowdown still sank the stock 7.30%.
  • Sweetgreen was crushed by 16.25% due to full-year fiscal guidance that came in way worse than Wall Street anticipated.
  • Affirm may have done well in the third quarter, but the Buy Now, Pay Later company fell 14.47% thanks to lower revenue forecasts this quarter.

CITE: https://tinyurl.com/tj8smmes

UnitedHealthcare Group was sued by shareholders claiming the company didn’t properly adjust its earnings outlook following the death of CEO Brian Thompson.

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GOOGLE’S Ad-Tech Monopoly

Posted on May 9, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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The DOJ wants Google to break up its advertising empire

Following a federal court’s ruling that Google operates an illegal ad-tech monopoly, the Justice Department requested that the company be forced to sell two major products—its Ad Exchange and a management platform—as an appropriate remedy.

Google, unsurprisingly, asked the judge for a less drastic remedy that would see the company make certain changes to its practices without having to break up its ad business. The judge won’t rule until the remedies trial starts in September.

Until then, Google has another thing to dread:

The government also wants the tech giant to sell Chrome to remedy its other monopoly (in search).

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DAVID SOUTER: RIP

Posted on May 9, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

BREAKING NEWS

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Former Supreme Court Justice of the United States, David Souter, the intellectual from New England who disappointed Republicans and delighted liberals by slowing a conservative transformation of the high court, died May 8th at his home in New Hampshire. He was 85 years old.

The high court announced his death but did not cite a cause.

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“Sell in May” – Maybe Not?

Posted on May 9, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters and ChatGPT

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The phrase “sell in May and go away” suggests that investors should sell their stocks in May and avoid the market during the summer months, as historical data indicates poorer stock performance during this period.

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It’s Friday morning, so you’re probably clocking out once you’re done reading this ME-P. And who could blame you, after such a wild month of watching your portfolio zig & zag with every headline.

In fact, why not just sell all your stocks and walk away entirely? You’ve got to admit, it’s tempting. After all, markets have completed an incredible round trip since Liberation Day—you could just call it even, start celebrating Cinco de Mayo a bit late, and maybe check your portfolio again sometime around August.

“Sell in May and go away” might sound like appealing advice these days, especially considering that the market usually spends the next six months under-performing: The S&P 500 gains just 1.8% on average from May through October, the worst-performing stretch of the year historically.

But Carson Research Chief Market Strategist Ryan Detrick says that would be a mistake. “

These ‘worst six months’ have gained in eight of the last 10 years,” he recently wrote. He continued: “Not to mention the month of May has been higher nine of the past 10 years, so maybe we should call it,

“Sell in June and go Away?”

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DAILY UPDATE: Elizabeth Holmes Down While Stock Markets Rise Up

Posted on May 9, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Essays, Opinions and Curated News in Health Economics, Investing, Business, Management and Financial Planning for Physician Entrepreneurs and their Savvy Advisors and Consultants

“Serving Almost One Million Doctors, Financial Advisors and Medical Management Consultants Daily“

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Former Theranos CEO Elizabeth Holmes on Thursday lost her bid to have an appeal of her 2022 fraud conviction reheard. The 9th Circuit U.S. Court of Appeals denied Holmes’ request for a rehearing before the original three-judge panel that upheld her conviction. At the same time, the court said no judge on the circuit court had asked for a vote on whether to have the full court rehear the appeal.

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🟢 What’s up

  • Boeing flew 3.31% higher after being named one of the direct beneficiaries of today’s US/UK trade deal.
  • AppLovin popped 11.88% after it revealed a 40% increase in revenue last quarter and announced it’s selling its mobile gaming unit.
  • Carvana jumped 10.17% thanks to record sales due to customers buying cars at higher rates last quarter to get ahead of tariffs.
  • Crocs climbed 9.82% on a strong earnings report, though the footwear icon pulled its fiscal guidance.
  • IonQ is one of the rare cases of a company in the quantum computing industry that reported solid financials. Shareholders rewarded it with a 9.27% gain today.
  • But it had nothing on D-Wave Quantum, which skyrocketed 51.34% thanks to record first-quarter revenue.
  • Axon Enterprise got a 14.13% jolt after the Taser maker reported strong earnings growth and upped its revenue guidance for the current quarter.
  • Crypto stocks had a great day thanks to bitcoin’s breakout (more on that later). MicroStrategy rose 5.58%, Coinbase climbed 5.06%, and Riot Platforms gained 7.65%.

What’s down

  • Arm Holdings fell 6.18% after the semiconductor manufacturer warned that both earnings and revenue will come in lower than Wall Street expected this year.
  • Peloton Interactive lost 6.73% thanks to a bigger-than-expected loss last quarter and a 13% decline in revenue.
  • Cleveland-Cliffs tumbled off a cliff on the news that the steelmaker is fully or partially pausing production at six of its facilities. Shares tumbled 15.78%.
  • Krispy Kreme crashed 24.71% after the donut chain paused its deal with McDonald’s, scrapped its dividend to save money, and pulled its fiscal guidance.
  • Fortinet dropped 8.41% after the cybersecurity company beat analyst forecasts but projected lower revenue in the current quarter than initially expected.
  • Pharma stocks fell across the board on reports that President Trump will slash drug costs with revisions to Medicare pricing. Eli Lilly lost 3.25%, Bristol Myers sank 1.55%, and AbbVie fell 1.33%.

CITE: https://tinyurl.com/tj8smmes

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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OSTRICH BIAS: Negative Information

Posted on May 8, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Financial Advisor, Planner and Insurance Agent Information

By Staff Reporters

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Ostrich Bias is a behavioral phenomenon describing the tendency of individuals to avoid or ignore information that they perceive as negative or threatening. This term is derived from the popular but inaccurate belief that ostriches bury their heads in the sand when faced with danger, even though they do not exhibit such behavior.

Evidence: There is neuro-scientific evidence of the ostrich effect. Sharot et al. (2012) investigated the differences in positive and negative information when updating existing beliefs. Consistent with the ostrich effect, participants presented with negative information were more likely to avoid updating their beliefs; wills, estate plans, investment portfolios, and insurance policies, etc..

Moreover, they found that the part of the brain responsible for this cognitive bias was the left IFG – inferior frontal gyrus – by disrupting this part of the brain with TMS – transcranial magnetic stimulation – participants were more likely to accept the negative information provided.

EXAMPLE: The Ostrich Bias can cause someone to avoid looking at their bills, because they’re worried about seeing how far behind they are on home mortgage payments, credit cards, education or auto loans, etc.

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The Medical Executive-Post is a  news and information aggregator and social media professional network for medical and financial service professionals.

Feel free to submit education content to the site as well as links, text posts, images, opinions and videos which are then voted up or down by other members. Comments and dialog are especially welcomed.

Daily posts are organized by subject. ME-P administrators moderate the activity. Moderation may also conducted by community-specific moderators who are unpaid volunteers.

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SURGEON GENERAL: Nesheiwat is Out – Means is In

Posted on May 8, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

BREAKING NEWS

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President Trump tapped best-selling author and wellness influencer Dr. Casey Means, whom he described as having “impeccable ‘MAHA’ credentials,” to be Surgeon General

His first nominee, Fox News contributor Dr. Janette Nesheiwat withdrew over questions about her medical training.

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DAILY UPDATE: Fed Holds Interest Rates Steady as Stock Markets Rise

Posted on May 8, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Essays, Opinions and Curated News in Health Economics, Investing, Business, Management and Financial Planning for Physician Entrepreneurs and their Savvy Advisors and Consultants

“Serving Almost One Million Doctors, Financial Advisors and Medical Management Consultants Daily“

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The Federal Reserve is still firmly in wait-and-see mode.

The Fed left its key interest rate unchanged again Wednesday and gave no hint it plans to lower it soon as President Donald Trump’s sweeping tariffs raise the risks of both another inflation spike and recession. But officials signaled they’re growing increasingly concerned about both hazards.

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What’s up

  • Netflix rose 1.56% after the streamer revamped its homepage and rolled out new AI search tools.
  • Nvidia popped 3.10% on news that President Trump will rescind Biden-era global chip curbs.
  • Advanced Micro Devices rose just 1.76% despite the chipmaker beating earnings and forecasting solid growth ahead.
  • Lions Gate Entertainment soared 20.77% after it finalized the separation of its studio and STARZ business segments into two distinct companies.
  • Logitech rose 1.46% thanks to an upgrade from UBS analysts who say the device maker is well-positioned to capitalize on Gen Alpha, 94% of whom play video games.
  • Charles River Laboratories popped 18.81% after the pharmaceutical company raised its full-year guidance above Wall Street’s expectations.
  • Rockwell Automation gained 11.90% on a beat-and-raise quarter thanks to higher demand for domestic manufacturing.

What’s down

  • Super Micro Computer fell 1.40% after the AI server maker missed on revenue last quarter and forecast slower revenue growth this quarter.
  • WW International, better known as Weight Watchers, plummeted 43.04% on the news that the company is going bankrupt.
  • Marvell Technology plunged 8.02% after the data storage manufacturer postponed its investor day—never a good sign.
  • Rivian Automotive tumbled 5.78% on management’s forecast that vehicle deliveries will be lower than expected this year.
  • Arista Networks beat Wall Street’s estimates but fell 4.76% after it warned that its margins will be squeezed in the coming quarters.
  • Sarepta Therapeutics plummeted 21.45% after posting a bigger-than-expected loss last quarter and projecting slower revenue growth this quarter.

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Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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BUY & HOLD: Challenging Investment Rules and Key Investor Traits

Posted on May 7, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Vitaliy Katsenelson CFA

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Today, we’re diving into two thought-provoking questions:

What’s a famous investment rule I don’t agree with? Which key characteristics should a good investor have? Again:

  1. What’s a famous investment rule I don’t agree with?
  2. Which key characteristics should a good investor have?

A Famous Investment Rule I Don’t Agree With: “Buy and Hold”

Buy and hold becomes a religion during bull markets. Then, holding a stock because you bought it is often rewarded through higher and higher valuations. There’s a Pavlovian bull market reinforcement – every time you don’t sell (hold) a stock, it goes higher.

Buying is a decision. So is holding, but it should not be a religion but a decision. The value of any company is the present value of its cash flows. When the present value of cash flows (per share) is less than the price of the stock, the stock should not be “held” but sold.

Warren Buffett is looked upon as the deity of buy and hold.

Look at Coca Cola when it hit $40 in 1999. Its earnings power at the time was about $0.80. It was trading at 50 times earnings. It was significantly overvalued, considering that most of the growth for this company was in the past.

Fast-forward almost a quarter of a century – literally a generation. Today the stock is at $60. It took more than a decade to reclaim its 1999 high. Today, Coke’s earnings power is around $1.50–1.90. Earnings have stagnated for over a decade. If you did not sell the stock in 1999, you collected some dividends, not a lot but some. The stock is still trading at 30–40x earnings. Unless they discover that Coke cures diabetes (not causes it), its earnings will not move much. It’s a mature business with significant health headwinds against it.

“Long-term” and “buy-and-hold” investing are often confused.

People should not own stocks unless they have a long-term time horizon. Long-term investing is an attitude, an analytical approach. When you build a discounted cash flow model, you are looking decades ahead. However, this doesn’t mean that you should stop analyzing the company’s valuation and fundamentals after you buy the stock, as they may change and affect your expected return. After you put in a lot of analytical work and buy the stock, you should not simply switch off your brain and become a mindless buy-and-hold investor.

This doesn’t mean you shouldn’t be patient, but holding, not selling, a stock is a decision.

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CELEBRATE: National Nurse’s Week 2025

Posted on May 7, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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By Staff Reporters

As of 1998, May 8th was designated as National Student Nurses Day, to be celebrated annually. And as of 2003, National School Nurse Day is celebrated on the Wednesday within National Nurses Week (May 6-12) each year.

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The nursing profession has been supported and promoted by the American Nurses Association (ANA) since 1896. Each of ANA’s state and territorial nurses associations promotes the nursing profession at the state and regional levels. Each conducts celebrations on these dates to recognize the contributions that nurses and nursing make to the community.

NURSES: https://www.msn.com/en-us/money/other/the-best-worst-states-for-nurses-in-2022-report/ar-AAX4wYd?li=BBnb7Kz

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The ANA supports and encourages National Nurses Week recognition programs through the state and district nurses associations, other specialty nursing organizations, educational facilities, and independent health care companies and institutions.

LINK: https://www.nursingworld.org/education-events/national-nurses-week/history/

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The Deeper Damage From a Declining Dollar

Posted on May 7, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Rick Kahler CFP™ MSFP

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DECLINE OF THE DOLLAR

On-again, off-again tariffs. Rising prices. Dramatic market swings. The anxiety-producing headlines come so fast it’s hard to know what to worry about first. Meanwhile, one serious consequence of all this chaos is going almost unnoticed. That is the decline of the dollar.

Since the start of this year, the value of the U.S. dollar has slipped more than 10% against other major currencies. That drop is not just an economic statistic. It affects all Americans’ daily lives.

People are feeling the pinch of rising prices at checkout lines, gas stations, and shipping counters. But there isn’t a full understanding of why. Tariffs are only half the story. The weakening dollar amplifies those price increases even further.

For years, the dollar remained strong even as the national debt ballooned. It benefited from its reputation as a safe haven, from global demand, and from U.S. interest rates. But much of that strength, as we now see, was fragile—propped up more by perception than fundamentals. In April, sweeping tariffs triggered a sharp market correction, and the dollar suddenly fell to its lowest point in over three years. Market confidence vanished overnight.

This was more than a market reaction. It signaled a collapse in trust—not just in policy, but in principle. It is no longer a given that the U.S. will act with consistency, reason, and long-term responsibility. What’s unraveling is both our country’s financial credibility and the moral foundation that underpinned it.

When a currency represents a nation, its value reflects more than economics. It reflects governance, accountability, stability, and integrity. When the dollar stumbles, it speaks to who we are, and whether we can still be counted on.

Yet, most people aren’t talking about the decline of the dollar. This may come from being overwhelmed, choosing to ignore even more bad news, or actually believing that this is a necessary step in making things better. It is not.

We all respond differently to financial uncertainty. Some lean into hyper-vigilance—tightening budgets, tracking every headline. Others shut down, turning toward distraction. Still others press on as if nothing has changed. These are all natural human reactions.

They are not the same as leadership. And leadership—internal and external—is what’s needed now. Not panic. Not blame. Just the courage to face where we are and the willingness to start again from there.

But leadership is in short supply in Washington, where many in both parties remain silent. Some fear political retribution from the administration, others fear backlash from increasingly extreme and vocal constituencies. That silence costs us all.

A respected government official recently told me that, while some of the domestic damage to our economy could be repaired within a few years, rebuilding global confidence in the United States may take a generation. That is a reflection of the rapid erosion of trust that has already happened in the last three months. Trust that took decades to build has been unwound in a matter of weeks. Even if we reversed every policy decision tomorrow, the damage is done.

We cannot change what’s already happened. We can still choose to show up. To pay attention. To have the hard conversations. To lead our own financial lives with more clarity, integrity, and intention than before. That kind of personal leadership may not fix the dollar. But it can help rebuild what underlies its value: trust, steadiness, and the moral grounding we’ve begun to lose.

Because the dollar’s decline is more than an economic headline.

It’s a story about who we are—and whether we’re ready to live with open eyes in a world where the old assumptions no longer hold.

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