STOCK MARKET CRASHES: More Likely in the Fall?

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

By Dr. David Edward Marcinko MBA MEd

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+ Plus / – Minus Two Weeks

Stock market crashes have long been associated with the fall season, particularly October, which has earned a reputation as a month of financial turmoil. While crashes can occur at any time, the clustering of several historic downturns in autumn has led many investors to believe that markets are more vulnerable during this period.

Historical Patterns of Fall Crashes

Some of the most devastating collapses in financial history have taken place in the fall. The Wall Street Crash of 1929 began in late October and marked the start of the Great Depression. In October 1987, markets experienced “Black Monday,” when the Dow Jones Industrial Average plunged more than 20% in a single day. More recently, the global financial crisis of 2008 saw some of its steepest declines in September and October. These events have cemented autumn’s reputation as a season of heightened risk.

Why the Fall Is Riskier

Several factors contribute to the perception that fall is a dangerous time for markets:

  • Investor psychology: The memory of past crashes in October can heighten anxiety, making traders more prone to panic selling.
  • Fiscal cycles: Many institutional investors close their books at the end of September, leading to portfolio adjustments and sell-offs in October.
  • Economic data releases: Key reports on employment, corporate earnings, and government budgets often arrive in the fall, influencing sentiment.
  • Global events: Political and economic developments frequently coincide with autumn months, adding uncertainty.

Statistical Evidence and Skepticism

Despite the historical examples, statistical studies suggest that crashes are not inherently more likely in October than in other months. Market downturns are rare events, and their clustering in autumn may be more coincidence than causation. Crashes have also occurred outside the fall, such as the bursting of the dot-com bubble in spring 2000 and the COVID-19 crash in March 2020. This suggests that the so-called “October Effect” may be more psychological than empirical.

Lessons for Investors

Whether or not fall crashes are statistically more likely, the historical record offers important lessons:

  • Diversify investments to reduce vulnerability to sudden downturns.
  • Avoid panic selling, since many crashes are followed by rapid recoveries.
  • Prepare for volatility, as autumn often brings heightened uncertainty.

Conclusion

Stock market crashes are not guaranteed to happen in the fall, but history has made October synonymous with financial turmoil. The clustering of major downturns during this season has created a psychological bias that influences investor behavior. Whether coincidence or pattern, the lesson is clear: autumn is a time when vigilance, discipline, and preparation are especially important for market participants.

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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Understanding the Series 63 Exam: Key Insights

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

By A. I. and FINRA

SPONSOR: http://www.CertifiedMedicalPlanner.org

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The Series 63 exam — the Uniform Securities State Law Examination — is a North American Securities Administrators Association (NASAA) exam administered by FINRA.

The exam consists of 60 scored questions and 5 unscored questions. Candidates have 75 minutes to complete the exam. In order for a candidate to pass the Series 63 exam, they must correctly answer at least 43 of the 60 scored questions.

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PHYSICIAN NET WORTH: Versus Average Family

For additional information about this exam, including the content outline, please visit the exams page on the NASAA website.

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Understanding the Risks of Capitation in Healthcare

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

By A.I.

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The Pitfalls of Capitation in Medicine

Capitation, a payment model in healthcare where providers receive a fixed amount per patient regardless of the services rendered, has been promoted as a way to control costs and incentivize efficiency. However, despite its theoretical appeal, capitation medicine presents significant drawbacks that can compromise patient care, distort provider incentives, and exacerbate systemic inequities.

One of the most concerning aspects of capitation is the potential for under-treatment. Since providers are paid a set fee per patient, regardless of how much care that patient requires, there is a financial incentive to minimize services. This can lead to situations where necessary tests, referrals, or treatments are delayed or denied in order to preserve profit margins. Patients with complex or chronic conditions—who require more frequent and intensive care—may be especially vulnerable under this model. The risk is that medical decisions become driven by cost containment rather than clinical need, undermining the ethical foundation of healthcare.

NURSING CAPITATION: https://medicalexecutivepost.com/2024/07/07/on-nursing-capitation-reimbursement/

Capitation also introduces challenges in maintaining quality standards. Unlike value-based care, which ties reimbursement to outcomes, capitation focuses solely on cost predictability. Without robust oversight and accountability mechanisms, providers may cut corners or avoid high-risk patients altogether. This can result in cherry-picking, where healthier individuals are favored, and sicker patients are subtly discouraged from enrolling. Such practices not only distort the patient pool but also deepen health disparities, particularly among marginalized populations who already face barriers to care.

Furthermore, capitation can strain the provider-patient relationship. Physicians may feel pressured to limit time spent with each patient or avoid costly interventions, leading to a sense of transactional care rather than personalized attention. This erosion of trust can diminish patient satisfaction and reduce adherence to treatment plans. In a system where providers are rewarded for doing less, the intrinsic motivation to go above and beyond for patients may be compromised.

Operationally, capitation demands sophisticated infrastructure to manage risk, track utilization, and ensure compliance. Smaller practices or those serving underserved communities may lack the resources to implement such systems effectively. This can create a two-tiered system where well-funded organizations thrive while others struggle to deliver basic care. Additionally, the administrative burden of managing capitation contracts, monitoring performance metrics, and navigating complex reimbursement rules can divert attention from clinical priorities.

Critics also argue that capitation may stifle innovation. When providers are locked into fixed budgets, there is little room to experiment with new technologies, therapies, or care models that might improve outcomes but carry upfront costs. This conservative approach can hinder progress and limit access to cutting-edge treatments.

CAPITATION HISTORY: https://medicalexecutivepost.com/2025/09/15/capitation-reimbursement-a-historical-economic-review/

In conclusion, while capitation medicine aims to control costs and streamline care, its inherent risks—under-treatment, inequity, and diminished quality—make it a problematic model when not carefully regulated. To truly reform healthcare, payment systems must balance financial sustainability with ethical responsibility, ensuring that every patient receives the care they need, not just the care that fits a budget.

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Understanding NASDAQ: The Digital Revolution in Stock Trading

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

By A.I. and Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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The NASDAQ, short for the National Association of Securities Dealers Automated Quotations, is one of the largest and most influential stock exchanges in the world. Founded in 1971, it was the first electronic stock market, revolutionizing how securities were traded by replacing traditional floor-based systems with computerized trading platforms. This innovation made transactions faster, more transparent, and accessible to a broader range of investors.

Unlike the New York Stock Exchange (NYSE), which historically operated through physical trading floors, the NASDAQ is entirely virtual. It connects buyers and sellers through a sophisticated network of computers, allowing for rapid execution of trades. This digital-first approach has made it particularly attractive to technology companies and growth-oriented firms, earning it a reputation as the go-to exchange for innovative and high-tech businesses.

Companies Listed on the NASDAQ The NASDAQ is home to some of the most prominent and influential companies in the world. Giants like Apple, Microsoft, Amazon, Google (Alphabet), Meta (formerly Facebook), and Tesla all trade on the NASDAQ. These companies are part of the NASDAQ-100, an index that tracks the performance of the 100 largest non-financial companies listed on the exchange. The NASDAQ Composite Index, which includes over 3,000 stocks, provides a broader snapshot of the market’s overall health and direction.

How It Works The NASDAQ operates as a dealer’s market, meaning transactions are facilitated by market makers—firms that stand ready to buy or sell securities at publicly quoted prices. These market makers help maintain liquidity and ensure that trades can be executed efficiently. Prices are determined by supply and demand, and the electronic nature of the exchange allows for real-time updates and high-speed trading.

Significance in the Global Economy The NASDAQ plays a vital role in the global financial system. It provides companies with access to capital by allowing them to issue shares to the public, and it offers investors a platform to buy and sell those shares. The performance of the NASDAQ is often seen as a barometer for the health of the technology sector and, more broadly, the innovation economy. When the NASDAQ rises, it typically signals investor confidence in growth and future earnings; when it falls, it may reflect concerns about economic stability or company performance.

Global Reach and Influence Though based in the United States, the NASDAQ’s influence extends worldwide. Many international companies choose to list on the NASDAQ to gain exposure to U.S. investors and benefit from the prestige associated with being part of a leading global exchange. Its technological infrastructure and regulatory standards make it a model for other exchanges around the world.

NASDAQ 100: https://medicalexecutivepost.com/2023/07/24/nasdaq-100-re-balanced-index/

In summary, the NASDAQ is more than just a stock exchange—it’s a symbol of innovation, speed, and global connectivity. Its pioneering approach to electronic trading has reshaped the financial landscape, and its roster of companies continues to drive technological progress and economic growth across the globe.

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Exploring the Dark Web: Myths & Realities

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

By Staff Reporter and and A.I.

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The Dark Web: A Hidden Layer of the Internet

The internet is often described as an iceberg. The surface—what most users interact with daily—is the “surface web,” consisting of indexed websites accessible through standard search engines like Google or Bing. Beneath this lies the “deep web,” which includes content not indexed by search engines, such as private databases, academic journals, and password-protected sites. But even deeper still is the “dark web,” a hidden realm of the internet that requires special software to access and is often shrouded in mystery and controversy.

The dark web is accessible only through anonymizing networks like Tor (The Onion Router), which mask users’ identities and locations. This anonymity is both its greatest strength and most significant risk. Originally developed by the U.S. Navy to protect sensitive communications, Tor now serves as a gateway to a decentralized network where users can operate beyond the reach of traditional surveillance and censorship.

While the dark web is often associated with illegal activity—such as drug trafficking, weapons sales, and identity theft—it also serves legitimate purposes. Journalists, whistleblowers, and political dissidents in oppressive regimes use it to communicate safely and share information without fear of retaliation. Platforms like SecureDrop allow sources to submit documents anonymously to media outlets, helping expose corruption and injustice.

However, the dark web’s reputation is largely shaped by its criminal underbelly. Marketplaces like Silk Road, AlphaBay, and Hansa have been notorious for facilitating illicit trade. These platforms often use cryptocurrencies like Bitcoin to enable anonymous transactions. Law enforcement agencies around the world have responded with crackdowns, leading to arrests and shutdowns, but new sites frequently emerge to take their place.

The dual nature of the dark web presents a complex ethical dilemma. On one hand, it offers a haven for free speech and privacy in an increasingly monitored digital world. On the other, it enables activities that threaten public safety and national security. Governments and cybersecurity experts continue to grapple with how to regulate this space without infringing on civil liberties.

Understanding the dark web requires a nuanced perspective. It is not inherently evil, nor is it entirely virtuous. Like any tool, its impact depends on how it is used. As technology evolves, so too will the dark web, and society must remain vigilant in balancing the need for privacy with the imperative to prevent harm.

TOR: https://www.torproject.org/about/history/

In conclusion, the dark web is a multifaceted component of the internet that challenges our notions of freedom, security, and ethics. It serves as both a refuge for the vulnerable and a playground for the unscrupulous. As we navigate this hidden frontier, education and awareness are key to ensuring that its potential is harnessed responsibly.

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What is the S&P 500 Stock Index?

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

By A.I. and Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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The S&P 500, short for the Standard & Poor’s 500 Index, is one of the most widely followed stock market indices in the world. It tracks the performance of 500 of the largest publicly traded companies in the United States, offering a broad snapshot of the overall health and direction of the U.S. economy. Created in 1957 by the financial services company Standard & Poor’s, the index has become a benchmark for investors, analysts, and economists alike.

Composition and Criteria The S&P 500 includes companies from a wide range of industries, such as technology, healthcare, finance, energy, and consumer goods. To be included in the index, a company must meet specific criteria: it must be based in the U.S., have a market capitalization of at least $14.5 billion (as of 2025), be highly liquid, and have a public float of at least 50% of its shares. Additionally, the company must have positive earnings in the most recent quarter and over the sum of its most recent four quarters.

Some of the most recognizable names in the S&P 500 include Apple, Microsoft, Amazon, Johnson & Johnson, JPMorgan Chase, and ExxonMobil. These companies are selected by a committee that reviews eligibility and ensures the index remains representative of the broader market.

How It Works The S&P 500 is a market-capitalization-weighted index, meaning that companies with larger market values have a greater influence on the index’s performance. For example, a significant movement in Apple’s stock price will affect the index more than a similar movement in a smaller company’s stock. This weighting system helps reflect the real impact of large corporations on the economy.

The index is updated in real time during trading hours and is used by investors to gauge market trends. It also serves as the basis for many investment products, such as mutual funds and exchange-traded funds (ETFs), which aim to replicate its performance.

VIX: https://medicalexecutivepost.com/2025/10/12/vix-the-stock-market-fear-gauge/

Why It Matters The S&P 500 is considered a leading indicator of U.S. equity markets and the economy as a whole. When the index rises, it often signals investor confidence and economic growth. Conversely, a decline may indicate uncertainty or economic slowdown. Because it includes companies from diverse sectors, the S&P 500 provides a more balanced view than narrower indices like the Dow Jones Industrial Average, which only tracks 30 companies.

Investment and Strategy Many investors use the S&P 500 as a benchmark to measure the performance of their portfolios. Passive investment strategies, such as index funds, aim to match the returns of the S&P 500 rather than beat it. This approach has gained popularity due to its low fees and consistent long-term performance.

In summary, the S&P 500 is more than just a number—it’s a powerful tool that reflects the pulse of the American economy. By tracking the performance of 500 major companies, it offers insights into market trends, investor sentiment, and economic health. Whether you’re a seasoned investor or just starting out, understanding the S&P 500 is essential to navigating the world of finance.

VIX Today: 20.81USD▲ +1.78 (+9.35%) today

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Understanding Male Personality Types: Alpha to Zeta

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

By AI and Staff Reporters

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Alpha Male and Beta Male are terms for men derived from the designations of alpha and beta animals in ethology. They may also be used with other genders, such as women, or additionally use other letters of the Greek alphabet (such as sigma. The popularization of these terms to describe humans has been widely criticized by scientists. Both terms have been frequently used in internet memes.

The term beta is used as a pejorative self-identifier among some members of the manosphere, particularly incels, who do not believe they are assertive and/or traditionally masculine, and feel overlooked by women. It is also used to negatively describe other men who are not deemed to be assertive, particularly with women. In internet culture, the term sigma male is also frequently used, gaining popularity in the late 2010s, but has since been used jokingly, often being used with incel.

Note: Incel is a portmateau of “involuntary celibate”) is a term associated with an online subculture of mostly male and heterosexual people who define themselves as unable to find a romantic or sexual despite desiring one. They often blame, objectify and denigrate women and girls as a result.

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

Delta Males are very responsible and keep the world moving. Highly adaptable, deltas are known for their competence and work ethic rather than their leadership and ambition. Delta Males love learning new skills for the sake of improving themselves, not for power or extrinsic successes. Because of this, they often have a very healthy work-life balance. They’re dependable and unpretentious. Common personality traits: hardworking, loyal and responsible. Careers they excel at are accountant, dentist, engineer and firefighter. If you’re a delta male, your work often speaks for itself. People trust you, so consider being more proactive and taking initiative at work; you’ll be rewarded for it and won’t necessarily need to be in the spotlight.

Gammas Males tend to be insecure about status and may overestimate their status. They’re unhappy with their position, so they try to convince themselves that they’re Sigmas. A Gamma Male is described as intelligent, romantic, and empathetic. While he has some female traits, he has difficulty understanding and dating women. But, unlike alphas, gammas avoid conflict at all costs and care deeply about what other people think of them. They lack the leadership skills and confidence to be on top.

Omega Males are skilled introverts who don’t need external validation. Pop culture portrays them as the shyer, more reserved yin to the zeta male’s yang. They’re independent and very comfortable in their own company. They’d rather spend time coming up with (usually brilliant) new ideas and inventions of their own instead of socializing with others. They have uncouth but delightful senses of humor and their theories often change the world for the better. Common personality traits are self-motivated, strategic and quiet. Careers they excel at are chemist, composer, inventor and mathematician. If you’re an omega male, your ideas are likely ingenious.

Sigma Males are rebellious leaders with lots of life experience while delta males are responsible companions who you want by your side. Common personality traits are nurturing and wise. Careers they excel at are entrepreneur, philosopher, professor, or therapist.

Zeta Males are one-of-a-kind progressives. There’s a reason the zeta male is the least talked about personality type in pop culture. They’re rare nonconformists who don’t care what other people think. They know themselves and refuse to change to fit into the rigid social standards of society. Zeta males are fierce creatives who blaze new paths for themselves and others. Zeta Males are nonconformist creatives, gamma males are charismatic nomads, and omega males are sharp intellectuals with boundless ideas. Careers they excel at are actor, artist, musician or writer. Common personality traits are creative, independent and self-aware.

QUESTION: Doctors, Agents, Accountants and Financial Advisors: What is your male personality type?

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ALTERNATIVE INVESTMENTS: Asset Classes Defined

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

By A. I. and Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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Here is a broad menu of asset classes and alternative investments to consider:

ALTERNATE INVESTMENTS: 401[k] Accounts

Real Assets

  • Real Estate: Rental properties, REITs (Real Estate Investment Trusts), land, commercial buildings.
  • Commodities: Gold, silver, oil, natural gas, agricultural products.
  • Collectibles: Art, vintage cars, rare coins, wine, sports memorabilia.

Private Market Investments

  • Private Equity: Investing in private companies, often through venture capital or buyout funds.
  • Venture Capital: Early-stage investments in startups with high growth potential.
  • Angel Investing: Direct investment in startups, usually by individuals.

Intellectual Property & Royalties

  • Music Royalties: Buying rights to songs and earning income from plays or licensing.
  • Patents & Trademarks: Licensing intellectual property for recurring revenue.

Structured Products & Alternatives

  • Hedge Funds: Pooled funds using advanced strategies like short selling, derivatives, and leverage.
  • Structured Notes: Debt securities with embedded derivatives for customized risk-return profiles.
  • Options & Futures: Derivatives for speculation or hedging.

Impact & Sustainable Investing

  • ESG Funds: Focused on environmental, social, and governance criteria.
  • Green Bonds: Bonds that fund environmentally friendly projects.
  • Social Impact Funds: Investments aimed at generating positive societal outcomes.

Tangible Assets

  • Precious Metals: Physical gold, silver, platinum.
  • Farmland & Timberland: Income from agriculture or forestry.
  • Infrastructure: Toll roads, airports, energy grids—often via specialized funds.

Income-Producing Alternatives

  • Peer-to-Peer Lending: Lending money via platforms like LendingClub or Prosper.
  • Annuities: Insurance products that provide guaranteed income streams.
  • Royalties from Books or Software: Passive income from intellectual property.
ETFs: Alternatively Weighted Investments

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How Much Should Start-Ups Pay Their Advisors?

Posted on September 24, 2025 by Dr. David Edward Marcinko MBA MEd CMP™
How Much Should Startups Pay Their Advisors?

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How Investment Banking Works for Corporations

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

By Dr. David Edward Marcinko MBA MEd

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SPONSOR: http://www.MarcinkoAssociates.com

Investment bankers are not really bankers at all. The fact that the word banker appears in the name is partially responsible for the false impressions that exist in the medical community regarding the functions they perform.

For example, they are not permitted to accept deposit, provide checking accounts, or perform other activities normally construed to be commercial banking activities. An investment bank is simply a firm that specializes in helping other corporations obtain money they need under the most advantageous terms possible. When it comes to the actual process of having securities issued, the corporation approaches an investment banking firm, either directly, or through a competitive selection process and asks it to act as adviser and distributor.

MORE: https://www.amazon.ca/Management-Liability-Insurance-Protection-Strategies/dp/1498725988

Investment bankers, or under writers, as they are sometimes called, are middlemen in the capital markets for corporate securities. The corporation requiring the funds discusses the amount, type of security to be issued, price and other features of the security, as well as the cost to issuing the securities. All of these factors are negotiated in a process known as negotiated underwriting. If mutually acceptable terms are reached, the investment banking firm will be the middle man through which the securities are sold to the general public. Since such firms have many customers, they are able to sell new securities, without the costly search that individual corporations may require to sell its own security.

Thus, although the firm in need of additional capital must pay for the service, it is usually able to raise the additional capital at less expense through the use of an investment banker, than by selling the securities itself. The agreement between the investment banker and the corporation may be one of two types. The investment bank may agree to purchase, or underwrite, the entire issue of securities and to re-offer them to the general public. This is known as a firm commitment.

When an investment banker agrees to underwrite such a sale; it agrees to supply the corporation with a specified amount of money. The firm buys the securities with the intention to resell them. If it fails to sell the securities, the investment banker must still pay the agreed upon sum.

Thus, the risk of selling rests with the underwriter and not with the company issuing the securities.

INVESTMENT BANKING: https://medicalexecutivepost.com/2024/04/17/understanding-tnvestment-banking-rules-securities-markets-brokerage-accounts-margin-and-debt/

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The alternative agreement is a best efforts agreement in which the investment banker makes his best effort to sell the securities acting on behalf of the issuer, but does not guarantee a specified amount of money will be raised. When a corporation raises new capital through a public offering of stock, one might inquire where the stock comes from. The only source the corporation has is authorized, but previously un-issued stock. Anytime authorized, but previously un-issued stock (new stock) is issued to the public, it is known as a primary offering.

If it’s the very first time the corporation is making the offering, it’s also known as the Initial Public Offering (IPO). Anytime there is a primary offering of stock, the issuing corporation is raising additional equity capital.

A secondary offering, or distribution, on the other hand, is defined as an offering of a large block of outstanding stock. Most frequently, a secondary offering is the sale of a large block of stock owned by one or more stockholders. It is stock that has previously been issued and is now being re-sold by investors. Another case would be when a corporation re-sells its treasury stock.

STOCK BROKERS: https://medicalexecutivepost.com/2024/09/04/understanding-traditional-full-service-brokers/

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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DOCTORS: Early Investing Needed for Retirement

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

NEW FINANCIAL STRATEGIES?

By A.I. and Dr. David Edward Marcinko; MBA MEd CMP™

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SPONSOR: http://www.CertifiedMedicalPlanner.org

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Starting early is key to saving for retirement

Although 97% of people aren’t yet millionaires, many could eventually meet that target if they start investing sooner rather than later; especially doctors [MD, DO, DPM, DDS or DMD].

BROKE DOCTORS: https://medicalexecutivepost.com/2025/08/02/doctors-going-broke-and-living-paycheck-to-paycheck/

A 20-year-old, for instance, needs to invest just $330 a month into an asset class that delivers a 7% to 8% annual return to reach $1.26 million by the time s/he turns 65 years old. The luxury of time significantly boosts your chances of becoming a millionaire.

This doesn’t mean it’s too late for middle-aged savers to reach that millionaire milestone, but it will take a significantly greater investment. If a 50-year-old doctor hasn’t started saving for retirement, s/he would need to invest $3,958 a month at a steady 7% return to reach $1.26 million by retirement.

MONEY ADDICTION: https://medicalexecutivepost.com/2025/08/07/moiney-addicted-physicians-the-investing-and-trading-personality-of-doctors/

However, according to one Goldman Sachs report, investors could expect the S&P 500 to deliver just 3% annualized nominal returns over the next 10 years.

After an average 13% yearly return for the past decade, a new strategy outside of the stock market may be needed for that level of outsized gain, especially if you’re late to investing.

RETIREMENT VISION: https://medicalexecutivepost.com/2025/08/04/physicians-determine-your-retirement-vision/

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

AI/HIT: https://www.amazon.com/Dictionary-Health-Information-Technology-Security/dp/0826149952/ref=sr_1_5?ie=UTF8&s=books&qid=1254413315&sr=1-5

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Stock Markets, Trade Tariffs and Commodities

Posted on September 6, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters and A.I.

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  • Markets: Stocks started off Friday on a high note after a weak jobs report raised hopes that the Fed will cut interest rates this month. But the rally faded as the afternoon wore on, while 10-year bond yields tumbled to their lowest level since April.
  • Trade: President Trump said “fairly substantial” tariffs for semi-conductors are coming “very shortly,” but hinted that companies like Apple will be spared. He also clapped back at EU regulators for fines against Google.
  • Offbeat commodities: Raw sugar prices hit a two-month low as Brazilian producers churn out more of the sweet stuff, cocoa prices are expected to pop after Cargill paused production in Ivory Coast, and corn hit its highest price since July thanks to strong export demand.

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ARTIFICIAL INTELLIGENCE: Stock Market Features – Not Bugs

Posted on September 4, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

A.I. by Artificial Intelligence

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Artificial intelligence (AI) refers to computer systems capable of performing complex tasks that historically only humans could do, such as reasoning, making decisions, or solving problems. Today, the term “AI” describes a wide range of technologies that power many of the services and goods we use every day – from apps that recommend TV shows to chatbots that provide customer support in real time. And yet, there is a hierarchy among related concepts such as machine learning and deep learning.

So, to summarize the hierarchy:

  • AI is the goal: machines that can think and act intelligently.
  • Machine learning is a method within AI that lets machines learn from data.
  • Deep learning is a specialized form of machine learning that uses multi-layered neural networks to analyze data in a way that mimics the human brain.

It’s a feature, not a bug

And, there’s no shortage of companies leveraging AI today to remain profitable, to the delight of Salesforce investors: among others:

  • Wells Fargo’s CEO has touted trimming its workforce for 20 straight quarters. Its stock is up 228% over the past five years.
  • Bank of America CEO Brian Moynihan wasn’t hiding it during a recent earnings call when he said the company has let go of 88,000 employees over the past 15 years. BofA stock is up 95% since 2020.
  • Amazon, with its share value up 28% over the past year, recently told staff that AI implementation would lead to layoffs.
  • Microsoft has cut 15,000 jobs in the past two months as the company pivots to AI—and its stock is also up since the beginning of July.

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Stocks, Commodities and the FOMC

Posted on August 30, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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  • Stocks: The final trading day of the summer was bad as a selloff in technology stocks took indexes down from recent all-time highs.
  • Fed drama: A judge did not issue a ruling on Fed Governor Lisa Cook’s bid for a temporary restraining order against President Trump, delaying it a few more days and leaving Cook in limbo.
  • Commodities: Gold hit a new all-time high as traders worried about the possibility of the Federal Reserve losing its independence.

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PHYSICIANS BEWARE: The APR Car Lease “Money Factor”

Posted on August 25, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By A.I. and Dr. David Edward Marcinko MBA MEd CMP™

SPONSOR: http://www.CertifiedMedicalPlanner.org

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What is it?

The so-called money factor (abbreviated as MF on invoices) is a number in a decimal form that dealers use to calculate the APR of a car lease. It’s a major part of your monthly payment and dealers are known to jack up the money factor to pad their profits.

BROKE DOCTORS: https://medicalexecutivepost.com/2025/08/02/doctors-going-broke-and-living-paycheck-to-paycheck/

How it works

Most doctors don’t ask to see it because they’re not aware of it or don’t know how to calculate it. Ask to see the money factor, then multiply it by 2,400.

For example, if the money factor is .00150, you multiply it by 2,400 to get 3.6%. If that’s higher than the prevailing rate, you have room to talk them down.

How to reduce it

So how do you get a good interest rate when you lease a vehicle? The same way you do when borrowing for any other reason, whether it’s buying a home or applying for a personal loan: by having good credit. This may reduce your interest rate because you’ll represent a lower risk to a lender.

A high residual value on the car could also help you get a better interest rate. A higher residual value means you’d have lower monthly payments because there would be less depreciation on the vehicle. Since interest is applied to your monthly payment, a lower monthly payment would equate to reduced interest charges.

MONEY DOCTORS: https://medicalexecutivepost.com/2025/04/08/psychology-a-money-relationship-questionnaire-for-doctors/

Financial implications

The money factor is one of the many numbers you may want to learn about when leasing a car. It’s one of the transactional costs that come with leasing, and allows dealers and finance companies to make a profit on every lease they execute. As a consumer, it’s a smart idea to learn the financial implications of this number and how it’ll affect your overall costs over the course of a multi-year lease.

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If the interest rate is too high, you may need to shop around for a better rate, negotiate with the dealer or lender to lower the money factor, or consider leasing another vehicle that’s more in line with your budget. Either way, make sure you explore all your financial options before taking a car off the lot.

SALARY NEGOTIATIONS: https://medicalexecutivepost.com/2016/08/21/salary-negotiations-skills-for-doctors-hospitalists/

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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INTEL: The USA and Softbank’s Acquistion?

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

By A.I. and Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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US government mulls 10% stake in Intel as Softbank invests $2b.

According to Morning Brew, Bloomberg and the Wall Street Journal reported recently that the government is considering becoming one of the beleaguered chipmaker’s biggest shareholders by converting grants the company was given under the Biden-era Chips Act into an equity stake.

At Intel’s current valuation, a 10% stake would be worth ~$10.5 billion—though the exact size of the stake and whether the government will move forward with the plan remains to be determined.

Meanwhile, over in the private sector, Softbank agreed to buy $2 billion worth of Intel stock, giving it a ~2% stake. Intel has been trying to turn itself around after losing ground to other semiconductor companies

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PHYSICIANS: Side Gigs and Hustles?

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

By Dr. David Edward Marcinko MBA MEd

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In today’s dynamic economic landscape, the concept of a “side hustle” has evolved from a mere trend to an essential component of personal financial strategy for many individuals; even doctors.

BROKE DOCTORS: https://medicalexecutivepost.com/2025/08/02/doctors-going-broke-and-living-paycheck-to-paycheck/

What Is a Side Hustle?

A side hustle is a way to earn extra income outside of your primary job or main source of employment. It typically involves part-time work, freelancing, small businesses, or gig-based activities that can be pursued flexibly in your free time. Unlike traditional employment, side hustles often offer more autonomy, creative freedom, and the potential to monetize skills, hobbies, or passions.

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Doctor Gigs?

So, if you’re a doctor, dentist or podiatrist considering a side hustle, focus on something sustainable and long-term. Ask yourself: What am I already good at? What do people already ask me to help with? The best side hustles don’t require reinventing the wheel — just monetizing the one you’ve already been pushing uphill.

EXAMPLES: https://www.physiciansidegigs.com/side-gigs

But, avoid gigs that require a huge upfront investment or promise overnight success. Instead, look for something that offers flexibility, ideally something that works with your schedule, not against your sanity.

MONEY ADDICTION: https://medicalexecutivepost.com/2025/08/07/moiney-addicted-physicians-the-investing-and-trading-personality-of-doctors/

Track your earnings and how much time you’re putting in. Side income should support your goals, whether that’s paying off debt, saving for a trip or just breathing easier when office rent comes due.

But, if it’s draining your energy from your medical practice with little to show for it, it might be time to rethink the hustle.

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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RFID: Defined for Hospital Inventory Tracking

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

A Supply Chain Management Strategy

By Staff Reporters

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RADIO FREQUENCY IDENTIFICATION

RFID refers to a device attached to an object that transmits data to an RFID receiver. A device can be a large piece of hospital hardware the size of a small book like those attached to ocean containers, or a very small device inserted into a label on a package. RFID has advantages over bar codes such as the ability to hold more data, and to change the stored data as processing occurs. Moreover, it does not require line-of-sight to transfer data, and is very effective in harsh environments where bar-code labels will not work. RFID is not without its own problems, however, as RF signals can be compromised by materials such as metals and liquids.

SCM: https://medicalexecutivepost.com/2011/06/09/supply-chain-management-in-healthcare/

Although RFID technology is receiving much current attention, it still tends to be cost-prohibitive for some hospital inventory tracking applications. As chip prices go down, there will be continued growth in the application of RFID, but, as in the case of 2D bar codes, many hospital warehouse applications simply do not require this added functionality. The low-cost 1D bar code may continue to be the technology of choice for many hospital inventory tracking applications in the short term.

Smart labels are labels with integrated RFID chips. The idea is to produce labels (probably with bar codes) as well as programming the RFID chips embedded in the label. This would provide all current functionality (human- and machine-readable text and bar codes) as well as adding RFID functionality.

Slap-and-ship describes an approach to complying with vendor requirements for physical identification of shipped goods. More recently, slap-and-ship has been used to describe complying With RFID requirements (such as those from large health care systems); however, it is also applicable to any compliance labeling requirement (such as compliance bar-code labels). Slap-and-ship implies meeting the customer’s requirement by applying the bar-code labels or RFID tags, but not utilizing the technology internally.

SCM PODCAST: https://medicalexecutivepost.com/2022/03/16/podcast-medical-supply-chain-management/

Finally, anti-skimming bills were first approved by California and Washington State relative to RFID privacy and are focused on making it illegal for criminals or businesses (or criminal businesses) to read and use personal information from RFID-enabled items such as driver’s licenses and credit cards without the owner’s consent.

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PHARMACY BENEFITS MANAGER: The Business Model Explained?

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

By A.I. and Dr. David Edward Marcinko MBA MEd CMP™

SPONSOR: http://www.CertifiedMedicalPlanner.org

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Business Model Defined

Doctors and dentists earn money by treating patients. CPAs and Attorneys have clients, and retail stores buy items low and sell them at higher prices. This is called a business model.

More formally, a business model identifies the products or services the business plans to sell, the target market, and any anticipated expenses, in order to outline how to generate a profit. Business models are important for both new and established businesses. They help companies attract investment, recruit talent, and motivate management and staff.

Businesses should regularly update their business model, or they’ll fail to anticipate trends and challenges ahead. Business models also help investors to evaluate companies that interest them and employees to understand the future of a company they may aspire to join.

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The Business Model of Pharmacy Benefits Managers

In the United States, health insurance providers often hire a third party to handle price negotiations, insurance claims, and distribution of prescription drugs. Providers that use such pharmacy benefit managers include commercial health plans, self-insured employer plans, Medicare Part D [drug] plans, the Federal Employees Health Benefits Program, and state government employee plans. PBMs are designed to aggregate the collective buying power of en-rollees through their client health plans, enabling plan sponsors and individuals to obtain lower prices for their prescription drugs. PBMs negotiate price discounts from retail pharmacies, rebates from pharmaceutical manufacturers, and mail-service pharmacies which home-deliver prescriptions without consulting face-to-face with a pharmacist.

PBMs DEFINED: https://medicalexecutivepost.com/2019/01/18/on-pbms-pharmacy-benefits-management/

Pharmacy benefit management companies can make revenue in several ways.

First, they collect administrative and service fees from the original insurance plan.

Then, they can also collect rebates from the manufacturer.

Traditional PBMs do not disclose the negotiated net price of the prescription drugs, allowing them to resell drugs at a public list price (also known as a sticker price), which is higher than the net price they negotiate with the manufacturer. This practice is known as “spread pricing”. The industry argues that savings are trade secrets. Pharmacies and insurance companies are often prohibited by PBMs from discussing costs and reimbursements. This leads to lack of transparency.

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Therefore, states are often unaware of how much money they lose due to spread pricing, and the extent to which drug rebates are passed on to en-rollees of Medicare plans. In response, states like Ohio, West Virginia, and Louisiana have taken action to regulate PBMs within their Medicaid programs.

For instance, they have created new contracts that require all discounts and rebates to be reported to the states. In return, Medicaid pays PBMs a flat administrative fee.

PBM PODCAST: https://medicalexecutivepost.com/2023/08/26/podcast-cvs-replaces-its-pbm/

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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PROPOSED: 2026 Physician Fee Schedule Payment Increases

Posted on July 31, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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On July 14, 2025, the Centers for Medicare & Medicaid Services (CMS) released its proposed Medicare Physician Fee Schedule (MPFS) for calendar year (CY) 2026.

In addition to the agency’s suggested increase to physician payments, the proposed rule also announces a new payment model and more tele-health flexibilities.

According to CMS, the “proposed rule is one of several proposed rules that reflect a broader Administration-wide strategy to create a health care system that results in better quality, efficiency, empowerment, and innovation for all Medicare beneficiaries.” (Read more…)

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INVESTMENT POLICY STATEMENT CONSTRUCTION: For Physicians and Medical Professionals

Posted on July 30, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

THE ESSENTIAL DOCUMENT

By Dr. David Edward Marcinko MBA MEd CMP™

SPONSOR: http://www.MarcinkoAssociates.com

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In order to create and monitor an investment portfolio for personal or institutional use, the physician executive, financial advisor, wealth manager, or healthcare institutional endowment fund manager, should ask three questions:

  1. How much do we have invested?
  2. How much did we make on our investments?
  3. How much risk did we take to get that rate of return?

Introduction to the IPS

Most doctors, and hospital endowment fund executives, know how much money they have invested.  If they don’t, they can add a few statements together to obtain a total. But, few can answers the questions above or actually know the rate of return achieved last year; or so far this year. Everyone can get this number by simply subtracting the ending balance from the beginning balance and dividing the difference.  But, few take the time to do it. Why? A typical response to the question is, “We’re doing fine.”

POOR DOCTORS: https://medicalexecutivepost.com/2025/07/29/why-too-many-physician-colleagues-dont-get-rich/

Now, ask how much risk is in the portfolio and help is needed [risk adjusted rate of return]. In fact, Nobel laureate Harry Markowitz, Ph.D. said, “If you take more risk, you deserve more return.” Using standard deviation, he referred to the “variability of returns;” in other words, how much the portfolio goes up and down, its volatility [Markowitz, H: Portfolio Selection. Journal of Finance, March, 1952].

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IPS Construction(1)Download

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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 an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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PODIATRIST: Types, Specialization and Salary

Posted on July 28, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

THE FOOT & ANKLE DOCTORS

By A.I.

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Podiatry offers a promising career with a balanced mix of specialization and income. By understanding the factors that influence salaries—such as location, experience, and practice type—a doctor can strategically enhance his/er earning potential. Staying informed about healthcare policies and market trends is crucial for maximizing income.

With an aging population and advancements in technology, the demand for podiatrists is expected to grow, making it a rewarding field both professionally and financially. Investing in specialized training and adapting to policy changes will help doctors remain competitive and successful in the evolving healthcare landscape.

MORE: https://medicalexecutivepost.com/2024/12/03/12-investing-mistakes-of-physicians/

Frequently Asked Questions

What is a podiatrist?

A podiatrist is a healthcare professional specialized in diagnosing and treating conditions related to the feet and ankles. Their responsibilities include performing surgeries, prescribing orthotics, and providing preventive care.

MORE: https://medicalexecutivepost.com/2024/03/20/is-a-podiatrist-a-physician/

What education is required to become a podiatrist?

To become a podiatrist, one must complete a Doctor of Podiatric Medicine (DPM) degree, which typically takes four years after earning a bachelor’s degree. Following this, a residency program lasting 2-3 years is required for practical training.

What factors influence the salary of a podiatrist?

Geographic location, level of experience, specialization, and type of practice significantly affect a podiatrist’s salary. Areas with a higher cost of living or demand for services usually offer higher salaries.

How does the salary of a podiatrist compare to other medical professions?

Podiatrists generally earn more than general practitioners but less than specialty surgeons. This disparity is due to differences in training length, specialization, and practice complexity among these professions.

Can the salary of a podiatrist increase over time?

Yes, a podiatrist’s salary can increase with additional experience, further specialization, and strategic practice location choices. Continuing education and staying updated on healthcare policies can also enhance earning potential.

What impact do healthcare policies have on podiatrist salaries?

Healthcare policies, including changes in insurance reimbursement rates and government health initiatives, can affect podiatrist salaries. Adapting to these policy shifts is crucial for maximizing earning potential in the field.

What are the future trends in podiatry salaries?

Future trends suggest potential salary growth due to increasing demand from an aging population, technological advancements, and geographic disparities in healthcare access. Keeping informed about these trends can help podiatrists plan their careers strategically.

MORE: https://medicalexecutivepost.com/2011/09/22/is-the-mutual-fund-company-invesco-dis-respecting-podiatrists/

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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, hospitals, financial advisory firms, RIAs, or Broker-Dealers are encouraged to submit an RFP for speaking engagements: CONTACT: Ann Miller RN MHA at MarcinkoAdvisors@outlook.com -OR- http://www.MarcinkoAssociates.com

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CMS Proposes Updates to the OPPS

Posted on July 26, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Health Capital Consultants, LLC

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On July 15, 2025, the Centers for Medicare & Medicaid Services (CMS) released the proposed rule for the Outpatient Prospective Payment System (OPPS) and Ambulatory Surgical Center (ASC) Payment System for calendar year (CY) 2026.

Among other items, the agency proposes increasing payments to all outpatient providers, eliminating the Inpatient Only (IPO) List, and changing quality reporting programs.

This Health Capital Topics article reviews the proposed updates and changes to outpatient reimbursement. (Read more…) 

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Stocks & Commodities

Posted on July 25, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By A.I.

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  • Stocks: President Trump said there’s a “50/50 chance” of a deal with the EU ahead of next week’s deadline. Investors decided they like those odds, and pushed the NASDAQ and S&P 500 to yet another new closing record high—in fact, the S&P 500 set a new record every day this week. Meanwhile, trade deal talks with Brazil have reportedly stalled.
  • Commodities: Oil fell to a three-week low today as Iran signaled a willingness to come to the negotiating table with European powers for nuclear talks.
  • Hopes of trade deals and less need for a safe haven investment pushed gold prices lower.

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Goldman Sachs and Bitcoin

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

SPONSOR: http://www.CertifiedMedicalPlanner.org

By A.I.

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Bitcoin notched another all-time record yesterday, beating the previous record that was set two days ago.

Goldman Sachs plans to ask junior bankers to certify their loyalty every three months in order to prevent poaching by private equity firms, Bloomberg reported.

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Bonds, Socks and Nvidia

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

By A.I.

SPONSOR: http://www.CertifiedMedicalPlanner.org

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  • Stocks: The major indexes plowed higher with the minutes of the last FOMC meeting showing that officials were not at all united about when to begin cutting rates. Investors also treated more tariff letters sent by President Trump to seven more countries including Iraq and the Philippines as not vital.
  • Bonds: US Treasuries snapped a five-day losing streak after a $39 billion sale of 1-year notes was met with solid demand.
  • Nvidia: Worth 4-trillion dollars.

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UNHAPPY HOSPITALS: One Big Beautiful Bill Act!

Posted on July 4, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

SPONSOR: http://www.CertifiedMedicalPlanner.org

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One Big Beautiful Bill Act (OBBBA; OBBB; BBB), or the Big Beautiful Bill, is a budget reconciliation bill in the 119th US Congress.

Hospitals are not happy with the health care provisions of the bill, which would reduce the support they receive from states to care for Medicaid enrollees and leave them with more uncompensated care costs for treating uninsured patients.

“The real-life consequences of these nearly $1 trillion in Medicaid cuts – the largest ever proposed by Congress – will result in irreparable harm to our health care system, reducing access to care for all Americans and severely undermining the ability of hospitals and health systems to care for our most vulnerable patients,” said Rick Pollack, CEO of the American Hospital Association.

The association said it is “deeply disappointed” with the bill, even though it contains a $50 billion fund to help rural hospitals contend with the Medicaid cuts, which hospitals say is not nearly enough to make up for the shortfall.

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JULY FOURTH: The Business Side

Posted on July 3, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By InfoGraphics

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EMPLOYMENT: Growing Slowly

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

By AI

BREAKING NEWS

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Job growth is slowing, but still bigger than expected

US employers added 139,000 jobs last month, government data released yesterday shows—that’s less than the down-wardly revised 147,000 new jobs that were added in April, but more than economists had predicted. Meanwhile, the unemployment rate held steady.

MAY: https://medicalexecutivepost.com/2025/06/06/may-jobs-report/

Overall, the highly anticipated jobs report reflects employers growing more cautious in the face of the economic uncertainty brought on by the trade war, but so far, there doesn’t seem to be a steep drop off in the labor market. That could give the Fed reason to stay in wait-and-see mode on interest rates, though President Trump still used the occasion to urge Jerome Powell to cut rates “a full point” on Truth Social.

PHYSICIAN EMPLOYMENT CONTRACTS: https://medicalexecutivepost.com/2024/01/12/sample-new-physician-letter-of-employment-contract/

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