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DAILY UPDATE: High Flu Cases as Stock Markets Collapse

Posted on March 5, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Despite high flu cases, vaccine this season looks overall like a good match. Early season laboratory testing by the CDC suggested this year’s flu vaccine was 100% match for the strain influenza A (H1N1), which accounts for 48% of cases this year, and a 100% match for influenza B, which accounts for just under 3% of cases so far. For targeting influenza A (H3N1), which makes up 49% of cases so far, the CDC said the vaccine is a 51% match.

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The Dow Jones Industrial Average (^DJI) fell about 1.5%, or over 650 points, as losses escalated into the close, while the benchmark S&P 500 dropped around 1.2%, hitting its lowest level in four months. The tech-heavy NASDAQ Composite (^IXIC), which traded in the green at one point of the trading day, closed down about 0.4% but was able to avoid entering correction territory.

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

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Filed under: Drugs and Pharma, Ethics, Information Technology, Investing, Marcinko Associates, Recommended Books, Sponsors | Tagged: books, CDC, DJIA, DOW, FTC, H1N1, H3N1, Marcinko, markets collapse, NASA, NASDAQ, news, PBMs, S&P 500, stocks collapse, Technology, textbooks, TNX, VIX, WSJ | Leave a comment »

PT BARNUM: Forer Bias Effect

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

By Dr. David Edward Marcinko MBA MEd CMP™

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As in the case of Declinism, to better understand the Forer effect (commonly known as the Barnum Effect), it’s helpful to acknowledge that people like their world to make sense. If it didn’t, we would have no pre-existing routine to fall back on and we’d have to think harder to contextualise new information.

Note: Phineas Taylor Barnum (July 5, 1810 – April 7, 1891) was an American showman, businessman, and politician remembered for promoting celebrated hoaxes and founding with Jim Bailey the Ringling Bros. and Barnum & Bailey Circus. He was also an author, publisher, and philanthropist although he said of himself: “I am a showman by profession … and all the gilding shall make nothing else of me.” According to Barnum’s critics, his personal aim was “to put money in his own coffers”. According to Wikipedia, the adage “there’s a sucker born every minute” has frequently been attributed to him, although no evidence exists that he had coined the phrase

With that, if there are gaps in our thinking of how we understand things, we will try to fill those gaps in with what we intuitively think makes sense, subsequently reinforcing our existing schema(s). As our minds make such connections to consolidate our own personal understanding of the world, it is easy to see how people can tend to process vague information and interpret it in a manner that makes it seem personal and specific to them. Given our egocentric nature (along with our desire for nice, neat little packages and patterns), when we process vague information, we hold on to what we deem meaningful to us and discard what is not. Simply, we better process information we think is specifically tailored to us, regardless of ambiguity.

More specifically, according to colleague Dan Ariely PhD, the Forer effect refers to the tendency for people to accept vague and general personality descriptions as uniquely applicable to themselves without realizing that the same description could be applied to just about everyone else (Forer, 1949). For example, when people read their horoscope, even vague, general information can seem like it’s advising something relevant and specific to them.

Remember, we make thousands of decisions every day, some more important than others. Make sure that the ones that do matter are not made based on bias, but rather on reflective judgment and critical thinking.

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DAILY UPDATE: Pharmacies v. PBMs as Stock Markets Tank!

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

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Independent pharmacies and pharmacy benefit managers (PBMs) are at odds over a proposed rule change from the Centers for Medicare and Medicaid Services (CMS) over the Medicare Part D program. Pharmacies vs. PBMs

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

US stocks plummeted on Monday afternoon, as selling accelerated in the last hour of trading after President Trump indicated there was “no room left” for tariff negotiations with Canada and Mexico, with levies against both countries set to go into effect tomorrow.

The S&P 500 (^GSPC) fell 1.7% while the tech-heavy NASDAQ Composite (^IXIC) dropped 2.6%. The Dow Jones Industrial Average (^DJI) fell more than 600 points, or almost 1.5%, as the major US indexes came off a volatile week and a losing February.

Tech led the sell-off with shares of Nvidia (NVDA) tanking more than 8%. All of the “Magnificent 7” stocks declined.

CITE: https://tinyurl.com/tj8smmes

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

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PARADOX OF EDUCATION: Cumulative Advantage and Disadvantage

Posted on March 2, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Classic Definition: Social status snowballs in either direction because people like associating with successful people, so doors are opened for them, and avoid associating with unsuccessful people, for whom doors are closed.

Modern Circumstance: Education’s positive effect on health gets larger as people age. The large socioeconomic differences in health among older Americans mostly accrue earlier in adulthood on gradients set by educational attainment. Education develops abilities that help individuals gain control of their own lives, encouraging and enabling a healthy life.

Paradox Example: The health-related consequences of education accumulate on many levels, from the socioeconomic (including work and income) and behavioral (including health behaviors like exercising) to the physiological and intra-cellular. Some accumulations influence each other.

In particular, a low sense of control over one’s own life accelerates physical impairment, which in turn decreases the sense of control. That feedback progressively concentrates good physical functioning and a firm sense of personal control together in the better educated while concentrating physical impairment and a sense of powerlessness together in the less well educated, creating large differences in health in old age.

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DENTISTS: Prescribing Limits

Posted on March 1, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

Rx – What Dentists Can’t Do

By Staff Reporters

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Dentists are limited to prescribing medications that address oral and dental health only.

For example, they cannot provide prescriptions for conditions unrelated to dentistry, such as chronic illnesses like diabetes or respiratory infections. Additionally, dentists do not prescribe medications for mental health or hormonal issues.

These limitations ensure that dental professionals focus strictly on oral health and leave more complex medical issues to general physicians or specialists. This distinction helps protect patients from receiving inappropriate or harmful treatments outside the dentist’s expertise.

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DAILY UPDATE: Human Biological Age as Stock Markets Blast Off

Posted on March 1, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Read: Inside the rise—and questionable reliability—of commercial tests for “biological age.” (Nature)

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US stocks gained ground Friday following a key inflation reading that largely met expectations and as fresh tariff threats added to uncertainty over Big Tech prospects. The S&P 500 (^GSPC) gained 1.6%%, while the tech-heavy NASDAQ Composite (^IXIC) was up about 1.5% after suffering a Nvidia-led (NVDA) sell-off on Thursday. The Dow Jones Industrial Average (^DJI) climbed 1.3%. All three major averages reversed earlier losses, sending February off with a relief rally.

Markets wrapped the month February with sharp weekly and monthly losses after suffering the buffets of tariff moves. The NASDAQ shed close to 5% in February, while the S&P 500 and Dow suffered drops of around 2%.

CITE: https://tinyurl.com/tj8smmes

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

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Filed under: Drugs and Pharma, Ethics, Information Technology, Investing, Marcinko Associates, Recommended Books, Sponsors | Tagged: big tech, biological age, DJIA, DOW, FTC, human age, Investing, Marcinko, NASA, NASDAQ, PBMs, relief rally, S&P 500, Technology, textbooks, TNX, VIX, WSJ | Leave a comment »

MISHING: A Mobile-First Phishing Technique

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

DEFINITION

By Staff Reporters

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Mishing, a term coined by Zimperium, covers all sorts of mobile-first phishing techniques: Smishing (SMS/text-based phishing), Quishing (QR code phishing), voice phishing, Wi-Fi-based phishing (the so-called “Evil Twin” attack), and many others.

Zimperium says organizations are increasingly relying on mobile devices for business operations, including multi-factor authentication, mobile-first applications, and more, and cyber criminals are taking notice, tailoring their phishing attacks for mobile devices, successfully evading traditional anti-phishing measures designed for desktops. As a result, businesses urgently need to adopt mobile-specific security, Zimperium stresses.

Smishing, for example, is now the most common mobile phishing vector, accounting for 37% of attacks in India, 16% in the US, and 9% in Brazil. Quishing, on the other hand, is described as an emerging threat, with notable activity in Japan (17%), the US (15%), and India (11%).

Furthermore, 3% of phishing sites use device-specific redirection, showing benign content on desktops while targeting mobile devices with phishing payloads.

Note: Zimperium, Inc. is a global leader in mobile device and app security, offering real-time, on-device protection against both known and unknown threats on Android, iOS and Chromebook endpoints. The company was founded under the premise that the then current state of mobile security was insufficient to solve the growing mobile security problem. At the time, most mobile security was a port from traditional endpoint security technologies.

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DAILY UPDATE: TeleHealth Coverage Act as Stock Markets Plummet

Posted on February 28, 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

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A new bill could change Medicare coverage requirements for Americans across the country. With Medicare was set to run out of funding for telehealth coverage by the end of March, Democratic Representative Ro Khanna of California has introduced the Telehealth Coverage Act to continue the services.

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

Stocks plummeted on Thursday as tech sold off following Nvidia’s (NVDA) latest earnings report while investors took stock of the economy amid President Trump’s latest tariff pledges.

The S&P 500 (^GSPC) fell more than 1.6%, while the tech-heavy NASDAQ Composite (^IXIC) dropped 2.8%. The Dow Jones Industrial Average (^DJI) dropped 0.4%.

Investors dug into Nvidia’s quarterly earnings beat, which signaled plenty of scope for growth as it eased worries about DeepSeek and faltering AI demand. The results initially met a muted response as its profit outlook raised doubts on Wall Street. Nvidia’s stock erased early morning gains to dropped more than 8%.

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

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FEBRUARY: National Cancer Prevention Month

Posted on February 27, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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February is National Cancer Prevention Month. While life can become unpredictable with challenges and setbacks like a cancer diagnosis, there are many things you can do today to reduce your risk of developing this illness. So, the experts at Mary Bird Perkins Cancer Center recommend the following

LIFESTYLE HABITS

Eat healthy: Eating well-balanced meals that include fruits and vegetables, whole grain foods, low or non-fat dairy products, and limited red or processed meats can all help reduce cancer risks.
Exercise: Aim for at least 150 minutes of moderate-intensity or 75 minutes of vigorous-intensity activity each week. Physical activity lowers stress hormones, improves the immune system, and is associated with living a long, healthy life. Regular participation in physical activity has been linked to a decreased risk of colon, breast, lung, and endometrial cancer.
Maintain a healthy weight: Try to achieve and maintain a healthy weight throughout your life.
Avoid tobacco: Don’t smoke or use smokeless tobacco.
Limit alcohol: Drink alcohol in moderation, if at all.

MORE: https://www.msn.com/en-us/health/other/february-recognized-as-national-cancer-prevention-month/ar-AA1zlQk1?ocid=BingNewsSerp

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DOCTORATE: Speech Pathology

Posted on February 27, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Becoming a speech language pathologist requires earning a master’s degree accredited by ASHA (American Speech-Language-Hearing Association). A doctorate will take a minimum of three years to complete in addition to the master’s degree. These subjects are typically studied:

Aphasia
Fluency disorders
Craniofacial disorders
Augmentative communication
Disorders of phonology and articulation
Swallowing disorders
Cognitive effects on language

In speech pathology, there are several different choices when it comes to the most advanced degrees in the business:

Doctor of Philosophy in Speech Pathology (PhD) – A PhD is the oldest and most traditional type of doctoral degree. This path is most closely associated with research and academic study of speech pathology. PhDs may be heavily invested in becoming professors in SLP or in performing high-level research that drives the field forward with groundbreaking new therapies or diagnostic programs.

Doctor of Clinical Speech Pathology (SLP-D) – The SLP-D is the clinical doctorate in speech pathology. The education is just as advanced and in-depth as in a PhD program, but the focus is more on treatment and working directly with patients than with research and academics.

Doctor of Education (EdD) – Although an EdD is not technically a degree specific to speech pathology, many practitioners consider earning an EdD as their most advanced degree. That’s because so many speech pathologists practice in education specifically. According to ASHA, 43 percent of SLPs work in schools.

The US Department of Labor [USDOL] does not track the specific salaries offered to doctoral-level speech pathologists. But according to 2020 data, the top ten percent in the profession can make more than $122,790 per year.

Again, while a PhD, EdE or SLP-D may use the title “Dr,” they are different than an MD/DO/DPM/DDS/DMD as they cannot write prescriptions or perform surgery.

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AUDITORY: Ear Illusions?

Posted on February 27, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

VIRAL AUDIO DEBATES

By Staff Reporters

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Auditory Illusions are like magic tricks for your ears. They make you hear things that aren’t there or misinterpret sounds. Think of the famous “Yanny or Laurel” debate – two people hear completely different words from the same audio clip.

NOTE: Yanny or Laurel is an auditory illusion that became popular in May 2018, in which a short audio recording of speech can be heard as one of two words. 53 percent of over 500,000 respondents to a Twitter poll reported hearing a man saying the word “Laurel”, while 47 percent of people reported hearing a voice saying the name “Yanny”. Analysis of the sound frequencies has confirmed that both sets of sounds are present in the mixed recording, but some users focus on the higher-frequency sounds in “Yanny” and cannot seem to hear the lower sounds of the word “Laurel”. When the audio clip is slowed to lower frequencies, the word “Yanny” is heard by more listeners, while faster playback loudens “Laurel.”

According to colleague Dan Ariely PhD, our brains love patterns, sometimes too much, leading us to hear phantom sounds or misinterpret music lyrics. It’s a reminder that our senses are easily fooled, so don’t believe everything you hear.

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DAILY UPDATE: Pfizer’s Conflict as NASDAQ and Bitcoin Sink along with Consumer Confidence

Posted on February 27, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Health experts have expressed conflict of interest concerns after the FDA‘s drug chief quit for a top job in Big Pharma. Pfizer announced this week that Dr. Patrizia Cavazzoni, former director of the FDA’s Center for Drug Evaluation and Research (CDER), will join the company as its chief medical officer.

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

The tech-heavy NASDAQ Composite (^IXIC) finished the volatile trading day down around 1.3%, dragged down by shares of Magnificent Seven players like Nvidia (NVDA) and Tesla (TSLA). The benchmark S&P 500 (^GSPC) dropped roughly 0.4%, while the Dow Jones Industrial Average (^DJI) reversed earlier session declines to end the day in the green, up about 0.4%.

Some of the biggest market moves also came from the cryptocurrency space, where the price of bitcoin (BTC-USD) tumbled below $90,000 for the first time since November. Bitcoin touched a low closer to $86,000 in the early morning hours, its lowest level since early November. Prices stabilized to just around $88,000 at the market close.

CITE: https://tinyurl.com/tj8smmes

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

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HOSPITAL: Price Transparency Improved by Executive Order

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

BREAKING NEWS

By Staff Reporters

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WASHINGTON, Feb 25 (Reuters) – U.S. President Donald Trump signed an executive order on Tuesday aiming to improve price transparency on healthcare costs by directing federal agencies to strictly enforce a 2019 order he signed during his first term.

The order directs the Departments of the Treasury, Labor, and Health and Human Services to within 90 days come up with a framework to enforce Trump’s 2019 executive order forcing health insurers and hospitals to disclose healthcare cost details.

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This includes requiring the disclosure of actual prices not estimates, update existing guidance or proposing new regulations that ensure price information is standardized, and updating or issuing enforcement policies that guarantee compliance.

“You’re not allowed to even talk about it when you’re going to a hospital or see a doctor. And this allows you to go out and talk about it,” Trump told reporters as he signed the order. “It’s been unpopular in some circles because people make less money, but it’s great for the patient.”

Cite: https://pubmed.ncbi.nlm.nih.gov/22239329/

More: https://medicalexecutivepost.com/2023/01/19/podcast-sage-transparency-on-hospital-prices/

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FEBRUARY: National Children’s Dental Health Month

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

AMERICAN DENTAL ASSOCIATION

By ADA and Staff Reporters

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Every day should be about children’s dental health

This is the message behind the ADA’s National Children’s Dental Health Month resources for 2025. Observed nationally each February, the recognition brings together thousands of dedicated professionals, health care providers and educators to promote the benefits of good oral health to children, their caregivers, teachers and many others.

The ADA is offering new materials to celebrate and promote the importance of children’s dental health, not only during the month of February, but all year.

Posters and flyers emphasizing the importance of brushing are available for free download in two kid-friendly, topical designs and two sizes, 8.5″x11″ and 11″x17″. Matching coloring sheets are offered in 8.5″x11″. All materials have instructions for proper brushing and are available in English and Spanish from ADA.org/NCDHM.

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In addition, the ADA’s 2025 Brushing Calendar is available for free download. This 12-month calendar is valuable year-round for promoting healthy behaviors like brushing twice a day with a fluoride toothpaste to help prevent dental disease. Kids can track their daily brushing and flossing routines and exercise their creativity by coloring the calendar image for each month.

Another tool, the NCDHM Program Planning Guide, provides resources for program coordinators, dental societies, teachers and parents to promote the benefits of good oral health to children. The guide includes easy-to-do activities, program planning tips, a sample NCDHM proclamation and more.

“The sooner children understand the value of good oral health habits, the more likely they are to continue these habits well into adulthood,” said ADA President Brett Kessler, D.D.S. “The ADA is proud that NCDHM will once again equip some of the most influential figures in kids’ lives — like parents, educators and health care providers — to help set our nation’s kids on the path to a lifetime of healthy smiles and healthier lives.”

National Children’s Dental Health Month observances began with a one-day event in Cleveland and a one-week celebration in Akron, Ohio, in February 1941. Since then, the concept has evolved into a nationwide program.

The ADA held the first national observance of Children’s Dental Health Day on February 8th, 1949. The one-day event became a week long event in 1955, and in 1981 the program was extended to a month long celebration known today as National Children’s Dental Health Month.

For questions about NCDHM resources, please email ncdhm@ada.org. For oral health resources, visit MouthHealthy.org.

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DAILY UPDATE: Health Care is Wealth Care as Stock Markets Close Mixed

Posted on February 26, 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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In great news for investors, a new study found that major healthcare companies have paid out $2.6 trillion to shareholders over the past 20 years in the form of dividends and share buybacks, and those payments are increasing. Bad news for patients: Some of that money could’ve been spent on, well, healthcare. The study, published Februrary 10th in JAMA, found that publicly traded S&P 500 healthcare companies paid shareholders a total of $170.2 billion in 2022, up 315% from payouts of just $54 billion in 2001.

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

The S&P 500 fell 0.5%. The NASDAQ 100 slid 1.2%. A gauge of the “Magnificent Seven” mega-caps sank 2.2%. Nvidia Corp.’s shares slid 2.8% on the eve of the company’s results, while Tesla slumped 8.4% to fall below $1 trillion in market value. The DJIA was up.

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The yield on 10-year Treasuries sank 11 basis points, while its Australian counterpart fell four points in early trading on Wednesday.

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INHERITANCE: Disclaimers

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

DEFINITION

“Show Me the Money”

By Staff Reporters

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In some situations, an inheritance might complicate an estate and add to the estate tax burden. If there are sufficient assets and income to accomplish financial goals, more assets are not needed. A disclaimer may be useful. This is an unqualified refusal to accept a gift or inheritance, that is, when you “just say no”. You have decided not to accept a sizable gift made under a will, trust or other document.

When you disclaim the property, certain requirements must be met:

The disclaimer must be irrevocable;
The refusal must be in writing;
The refusal must be received within nine months;
You must not have accepted any interest in the property; and
As a result of the refusal, the property will pass to someone else.

The property passes under the terms of the decedents will, as if you had predeceased the decedent. If the filer of the disclaimer has control, the property will be included in the disclaimant’s estate and can only be passed to another as a gift for as an inheritance. The intent of the disclaimer is to renounce and never take control of the property.

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DAILY UPDATE: Synapse Fin-Tech and UnitedHealthcare Part C as Stock Markets Slide

Posted on February 25, 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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A grand jury is investigating criminal misconduct at a Silicon Valley fintech firm where customer funds went missing, and has questioned an executive who raised alarms before the company collapsed, people familiar with the matter said. Synapse connected financial technology firms with banks, helping startups that marketed flashy savings apps find a place to park their digital customers’ funds. The middleman managed billions of dollars at its peak, before its sudden collapse in April left thousands of people unable to access their money.

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

The US Department of Justice is reportedly investigating the insurance giant UnitedHealthcare for its Medicare billing practices. The federal government is examining whether UnitedHealthcare is using patient diagnoses to illegally increase the lump sum monthly payments received through the Medicare Advantage program, according to a report in the Wall Street Journal.

CITE: https://tinyurl.com/tj8smmes

US stocks sold off into the close on Monday as investors weighed the prospects of President Donald Trump’s tariff policies and also shifted focus to this week’s Nvidia (NVDA) earnings.

The Dow Jones Industrial Average (^DJI) was little changed on the heels of its worst week since October. The S&P 500 (^GSPC) fell 0.5%, while the tech-heavy NASDAQ Composite (^IXIC) fell 1.2%.

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ARTHUR SELDON: Free State Education Report

Posted on February 24, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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The Reform of “Free” State Education: Arthur Seldon and the Education Voucher Scheme (1957-88), Hsiao-Yuh KuHistory of Education: , v53 n4 p748-772 2024

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Arthur Seldon (1916-2005) was a significant British neo-liberal economist in the second half of the twentieth century. From 1957 to 1988, as the “engine room” of the Institute of Economic Affairs, Seldon had been advocating the reform of “free” state education. He vigorously argued for education vouchers, by which each parent could be provided with purchasing power and school choice.

From the mid-1960s, his ideas gradually attracted the attention of the Conservatives and contributed to the rise of the New Right and Thatcherism in the 1980s. Despite this, previous literature seldom explores Seldon’s work in relation to education in greater depth. To fill the lacuna, this paper aims to provide a deeper understanding of Seldon’s neo-liberal ideas about education and his approaches in promoting reform agenda.

READ: https://eric.ed.gov/?q=source%3A%22History+of+Education%22&ff1=subPolitics+of+Education&id=EJ1428693

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SCAM BAITING: Defined

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

By Staff Reporters

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Scam baiting (or scambaiting) is a form of internet vigilantism primarily used towards advance-fee fraud, IRS impersonation scams, technical support scams, pension scams and consumer financial fraud.

Scambaiters pose as potential victims to waste the time and resources of scammers, gather information useful to authorities, and publicly expose scammers. They may document scammers’ tools and methods, warn potential victims, provide discussion forums, disrupt scammers’ devices and systems using remote access trojans and computer viruses, or take down fraudulent webpages, while some scam baiters simply call scammers to annoy them and waste their time dealing with a scam baiter, therefore allowing scammers less time to scam potential victims.

Some scambaiters are motivated by a sense of civic duty, some simply engage for their own amusement, or a combination of both.

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STOCKDALE: Paradox

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

By Staff Reporters

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According to colleague Eugene Schmuckler PhD MBA MEd, the Stockdale Pardox suggests that “You must never confuse faith that you will prevail in the end—which you can never afford to lose—with the discipline to confront the most brutal facts of your current reality, whatever they might be.”

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PHYSICIAN ENTREPRENEURS: Rising Again!

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

By Dr. David Edward Marcinko MBA MEd

SPONSOR: http://www.MarcinkoAssociates.com

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Marcinko Associates is a financial guide. We help answer your questions in an empowering way. We educate and empower medical colleagues to understand their financial picture and to make better financial decisions. We strive to simplify everything, clear up confusion, and address specific needs and goals.

Whatever your financial situation, we do not shame, criticize, or sell. We enrich, educate and empower. We work with medical colleagues at every stage of their financial journey, through big life personal changes to annual employment reviews, in order to help them understand, invest, and protect their money and autonomy.

And, like the famed ‘Tibetan Sherpas“, we guide physician entrepreneurs from medical practice business plan creation, funding, start-up operations and strategic management improvement to maximize profits and stream-line patient care quality initiatives.

READ: https://marcinkoassociates.com/welcome-medical-colleagues/

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DAILY UPDATE: Pain MD and Measles Outbreak as Stock Markets Plunge Deep!

Posted on February 22, 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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Stat: 700,000. That’s how many “unnecessary and expensive” injections pain management company Pain MD gave patients over eight years, according to court documents in a healthcare fraud case that led to four employees pleading guilty or being convicted. (KFF Health News)

Quote: “A small measles outbreak could be the start of a public health catastrophe that is completely preventable.”—Alok Patel, a pediatrician at Stanford Children’s Health, on why he worries about the current US measles outbreak (ABC News)

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

U.S. stocks plummeted on Friday on poor economic news. Consumer confidence weakened to the lowest level since November 2023, even as long-run inflation expectations rose to the highest since 1995. The services purchasing managers’ index fell into contractionary territory and January home sales contracted by more than expected.

The Dow Jones Industrial Index plunged by 724 points, or 1.6%, as of 3:30 p.m., the S&P 500 slid 1.6% and the NASDAQ Composite index fell about 2.1%. Adding to the negative sentiment: UnitedHealth fell almost 7% on news of a Justice Department investigation.

Notable market movers on Friday also included Alibaba, Celsius, Block, Dropbox.

CITE: https://tinyurl.com/tj8smmes

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

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INVESTING Psychology

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

By Dan Ariely PhD

THE IRRATIONAL ECONOMIST

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Of course you don’t need a human financial advisor … until you do. Today, we’ve had unfettered internet access to a wide range of investments, opinions and models for at least two decades. So, why the bravado to go it alone; fifteen positive years for equities, since 2009! Yet, the DJIA, S&P 500 and NASDAQ just plunged and plummeted today!

The financial advisor’s role is to remove the human element and emotion from investing decisions for something as personal as your wealth. Emotion drives the retail investor to sell low (fear) and buy high (greed). This is the reason why the average equity returns for retail investors is less than half of the S&P 500’s returns.

No, of course you don’t need a human financial advisor … until you do.

And when you do, it may be too late.

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DAILY UPDATE: Stock Markets Down

Posted on February 21, 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 Dow Jones Industrial Average (^DJI) fell roughly 450 points, or around 1%. The S&P 500 (^GSPC) dropped 0.5%, pulling back after its second record close in a row on Wednesday, while the tech-heavy NASDAQ Composite (^IXIC) also lost about 0.5%.

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

Worries grew about coming headwinds for corporate America after Walmart beat on quarterly profit but issued cautious 2026 fiscal year guidance. Shares of the retail giant tumbled more than 6%. Walmart’s decline combined with more roughly 4% drops in Goldman Sachs (GS) and JPMorgan (JPM) weighed on the Dow.

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

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FEBRUARY: American Heart Month

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

SAVE A LIFE

By Dr. David Edward Marcinko MBA MEd and Staff Reporters

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Did you know more than 23,000 children experience cardiac arrest outside of the hospital each year?

Learn CPR today so you can be ready and become a part of the Nation of Lifesavers. Because no one, especially our most precious ones, should face a life-changing moment alone.

CPR: https://www.heart.org/en/nation-of-lifesavers

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DAILY UPDATE: New Non-Opioid Medication as Stock Markets Pop

Posted on February 20, 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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FDA recently approved the first new kind of painkiller since 1998. The drug, called Journavx and made by Vertex Pharmaceuticals, is a non-opioid medication, and the company says it comes with “no evidence of addictive potential.” One downside? At $15.50 per pill, it’s not cheap, and it’s not clear yet how much insurers will cover.

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

US stocks closed higher on Wednesday as investors weighed President Trump’s latest 25% tariff salvo and digested the Federal Reserve minutes for insight into future policy.

The benchmark S&P 500 (^GSPC) moved up about 0.2%, hitting a fresh record high of 6,144.15, after notching a record on Tuesday as well. The NASDAQ Composite (^IXIC) and the Dow Jones Industrial Average (^DJI) both rose about 0.1%.

Wednesday’s minutes from the Fed’s January meeting revealed most central bank officials supported holding policy at restrictive levels amid concerns about persistent inflation.

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

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DAILY UPDATE: S&P 500 Notches Record Market Close

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

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

***

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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US stocks were mixed on Tuesday to begin a holiday-shortened week of trading, with potential policy moves by the Federal Reserve and President Donald Trump in focus.

The benchmark S&P 500 (^GSPC) rose nearly 0.2%, with most of the games coming in the final 10 minutes of trading, to hit a fresh record close of 6,129.58. Meanwhile, the Dow Jones Industrial Average (^DJI) and NASDAQ Composite (^IXIC) finished barely in the green.

Stocks on Wall Street were largely cautious after Monday’s closure for Presidents Day as investors debate the future path of interest rates. Fed officials over the long weekend signaled a firm belief that rates should stay at current levels to combat rising inflation.

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Treasury yields stepped higher as investors sought more clues to the chances of rate cuts this year, given recent data failed to give a clear steer. The benchmark 10-year yield (^TNX) rose to trade around 4.54%.

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

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LMU: Doctor of Medical Science [DMS] Degree?

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

LEGIT or NOT?

By Staff Reporters

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A new pathway will result in a degree called the “Doctor of Medical Science” (DMS); this training is designed for someone—not a physician—to practice clinical medicine with all of the privileges afforded to a medical doctor in the discipline of primary care.

Lincoln Memorial University (LMU) recently announced the start of this new program. In a recent press release they stated, “Lincoln Memorial University is pleased to announce a new type of medical training with its launch of the brand new Doctor of Medical Science (DMS) degree. The only one of its kind, this program bridges the gaps between physician and physician assistant (PA) training for the development of a new type of doctoral trained provider to aid Appalacia and other health care shortage areas.”

The DMS will be for Physician Assistants who have at least three years experience in clinical practice. The curriculum will be a two year program and will consist of 50 credits. The first year will have online didactics delivered by clinical and PhD specialists on staff at LMU-DeBusk College of Osteopathic Medicine and other teaching hospitals. The second year will be more online didactics specific to a clinical specialty.

LMU has already received approval for this program from the Southern Association of Colleges and Schools Commission on Colleges.

Cite: https://www.huffpost.com/entry/the-doctor-of-medical-science_b_593ef537e4b094fa859f1af3

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MOTIVATION: “Rose Colored” Reasoning

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

By Staff Reporters

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Motivated Reasoning is the tendency to process information in a way that aligns with your desires and preconceptions. It’s like having rose-colored glasses for your beliefs.

Motivated reasoning (motivational reasoning bias) is a cognitive and social response in which we, consciously or sub-consciously, allow emotion-loaded motivational biases to affect how new information is perceived. Individuals tend to favor evidence that coincides with their current beliefs and reject new information that contradicts them, despite contrary evidence.

According to Wikipedia, motivated reasoning can be classified into two categories: 1) Accuracy-oriented (non-directional), in which the motive is to arrive at an accurate conclusion, irrespective of the individual’s beliefs, and 2) Goal-oriented (directional), in which the motive is to arrive at a particular conclusion.

Furthermore, colleague Dan Ariely PhD suggests that when we encounter any new information, we twist and turn it to fit our existing views. This mental gymnastics helps us avoid cognitive dissonance but can also lead us astray.

So, next time you’re defending your viewpoint, ask yourself: am I seeing this clearly, or is it motivated reasoning at play?

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GLOW: Complimentary Effect

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

By Staff Reporters

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Complimentary Glow Effect is when something looks better simply because it’s next to something else that’s attractive. It’s like standing next to a supermodel to get a boost to your own appearance.

Marketers use this all the time by pairing products with glamorous images to make them more appealing. It’s a visual trick that our brains fall for every time.

So, according to colleague Dan Ariely PhD, the next time you’re tempted by a shiny new gadget, remember: it might just be basking in the complimentary glow of clever marketing.

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KARPMAN: Drama Triangle [Conflict Interaction]

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

DEFINITION

By Staff Reporters

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The Karpman drama triangle is a social model of human interaction proposed by San Francisco psychiatrist, Stephen B. Karpman in 1968. The triangle maps a type of destructive interaction that can occur among people in conflict. The drama triangle model is a tool used in psychotherapy, specifically transactional analysis. The triangle of actors in the drama are persecutors, victims and rescuers.

Karpman described how in some cases these roles were not undertaken in an honest manner to resolve the presenting problem, but rather were used fluidly and switched between by the actors in a way that achieved unconscious goals and agendas.

The outcome in such cases was that the actors would be left feeling justified and entrenched, but there would often be little or no change to the presenting problem, and other more fundamental problems giving rise to the situation remaining unaddressed.

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SCAMS: Pig Butchering

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

By Staff Reporters

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What Is a Pig Butchering Scam?

Pig butchering scams get their colorful (and gory) name from the process of fattening hogs before slaughtering them. Except in this case, it’s a scammer making friends with you before taking your money. These cons have four distinct phases:

Initial contact is made by a scammer. The scammers are often enslaved by organized crime rings who force them to contact potential victims through social media platforms, dating apps, online networking sites, and job boards.
Fattening, a phase where the scammer gets to know and builds trust with a victim. They may pretend to be romantically interested in the victim, befriend the victim, or offer the victim a job.
Slaughter refers to the phase where the con pays off. Scammers may persuade victims to send them money, invest in a fake company or cryptocurrency, or reveal sensitive personal information that can be used for identity theft. Over time, scammers ask for large sums of money threatening to end contact if victims refuse to pay.
Shaming and disappearance. Scammers will continue their relationship with the victim until the victim is unable to pay or catches onto the scam. Scammers may taunt their victims to shame them into silence, or they may simply vanish along with any accounts, websites, or apps they’ve been using.

How to Avoid Pig Butchering Scams:

To avoid becoming a victim of a pig butchering type scam, watch for these red flags and know how to protect yourself:

Unexpected contact: Never respond to unsolicited messages from unknown contacts, even about seemingly benign topics, especially via text message and on encrypted messaging applications.
Refusal to participate in video chats: If someone you’ve been messaging with consistently declines to interact face-to-face, they likely aren’t the person from the profile photo.
Request for financial information: Don’t share any personal financial information with individuals you’ve never met in person. If a new virtual friend or romantic connection starts making financial inquiries, put the brakes on the relationship.
Invitation to invest in specific financial products: Be wary of any unsolicited investment advice or tips, particularly from someone you’ve only spoken to online and even if they suggest you trade through your own account. Always question what a source has to gain from sharing tips with you and whether the transaction fits with your financial goals and investment strategy.
Unknown or confusing investment opportunity: Carefully evaluate the product, as well as the person and/or company requesting your investment. Along with a basic search, try adding words like “scam” or “fraud” to see what results come up. Consider running recommendations by a third party or an investment professional who has no stake in the investment, and use FINRA BrokerCheck to see if the promoter is a registered investment professional.
Unfamiliar trading platforms: Do extensive research before moving any money, particularly in an emerging market like cryptocurrency, which has hundreds of exchanges and new avenues for trading continuing to evolve. Who controls the platform? What security measures are in place? How can you withdraw funds if needed? If you don’t know the answers to those questions, don’t put your assets there.
Exaggerated claims and elevated emotions: Take a closer look at any investment that offers much higher than average returns or is touted as “guaranteed.” Fraudsters will also often use their knowledge about you to appeal to your emotions—something like, “Don’t you want to have money to send your kids to college?”
Sense of urgency about an upcoming news announcement or share price increase: Remember that insider trading is illegal, and you should never trade in shares of a company on the basis of material, nonpublic information.

MORE:

Learn more about how to protect your money from fraud and get more insight from the FBI and the Financial Crimes Enforcement Network (FinCEN) on pig butchering schemes involving cryptocurrency.

If you think you’ve been a victim of a pig butchering stock scam, submit a regulatory tip to FINRA. If you think you’ve been the victim of internet fraud, file a report with the FBI’s Internet Crime Complaint Center.

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DAILY UPDATE: Tariffs Up as Stocks Close Higher

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

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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US stocks moved higher on Thursday after President Donald Trump said he plans to introduce reciprocal tariffs as soon as April, while investors digested another report that suggested inflation is once again heating up.

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The Dow Jones Industrial Average (^DJI) added more than 0.6%, while the S&P 500 (^GSPC) put on 0.7% after closing lower on Wednesday. The tech-heavy NASDAQ Composite (^IXIC) rose more than 1% as Nvidia (NVDA) and Tesla (TSLA) gained.

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CONFIRMED: Robert F. Kennedy, Jr.

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

Confirmed as US Health Secretary

BREAKING NEWS

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The Senate just confirmed Robert F. Kennedy Jr. as President Trump’s US health secretary, putting the prominent vaccine skeptic in control of $1.7 trillion in federal spending, vaccine recommendations and food safety as well as health insurance programs for roughly half the country.

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DAILY UPDATE: Inflation Leaps as Wall Street Worries

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

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Consumer prices overall increased 3% from a year earlier, up from 2.9% the previous month, according to the Labor Department’s consumer price index, a measure of goods and service costs across the U.S. That’s the most since June and above the 2.9% expected by economists surveyed by Bloomberg.

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Most U.S. stocks fell Wednesday after a report showed inflation is unexpectedly worsening for Americans.

The S&P 500 dropped 0.3%, though it had been on track for a much worse loss of 1.1% at the start of trading. The Dow Jones Industrial Average sank 225 points, or 0.5%, while the NASDAQ composite edged higher by less than 0.1%

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PharmD: Doctor of Pharmacy

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

By Staff Reporters

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PharmD – Doctor of Pharmacy

A Doctor of Pharmacy [ParrmD] is the professional degree required to become a pharmacist in the US. Practicing pharmacists complete an average of six years in school—including their pre-pharmacy education—before passing required exams and completing post-graduate training.

Here’s where things often get confusing. The word “pharmacist” is sometimes used in casual conversation to refer to healthcare professionals who aren’t technically licensed to be pharmacists.

For example, pharmacy technicians assist licensed pharmacists. They work behind the counter among the medications right alongside the pharmacist. However, they don’t need a Doctor of Pharmacy to do their job. A pharmaceutical sales representative typically needs four years of a bachelor’s degree with a foundation in chemistry and biology, though this is not always a requirement. Neither of these professionals is technically a pharmacist, although laypeople may mistakenly describe them that way.

And pursuing a PharmD doesn’t always mean you’ll work in a community pharmacy. In fact, just slightly fewer than half of all PharmD recipients end up in this role. Another 15 percent practice in other healthcare settings—hospitals, nursing homes, and managed care centers, for example. Other pharmacy students pursue research roles, government regulation positions, or work in highly specialized areas like oncology or geriatric pharmacy.

A PharmD or RPH [registered pharmacist] fills the electronic or written prescriptions of a MD/DO/DPM/DDS/DMD. They generally can not prescribe drugs or write prescriptions, however.

As of February 01, 2025, the average annual pay of Doctor of Pharmacy in the United States was $196,904. While Salary.com suggests that a Doctor of Pharmacy salary in the US can go up to $236,908 or down to $149,197, most earn between $171,932 and $217,844.

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DAILY UPDATE: BC/BS Anti-Trust Lawsuit as Stock Markets Close Mixed

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

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Blue Cross Blue Shield will soon begin paying out $2.67 billion to customers follow a years-long lawsuit alleging that the health insurance giant broke antitrust laws. The litigation began in 2013, when a class-action lawsuit was filed against more than 35 Blue Cross Blue Shield health insurance plans. The lawsuit claims the company broke antitrust laws by limiting market competition, resulting in increased premiums and reduced options for customers.

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US stocks closed mixed on Tuesday as investors assessed more tariff policy shifts from President Donald Trump and looked ahead to upcoming inflation data.

Traders also digested the start of Federal Chair Jerome Powell’s two-day testimony in Congress. In his opening remarks, Powell told lawmakers the Fed is not in a rush to adjust interest rates and reiterated the central bank’s stance of not commenting on trade policy.

The Dow Jones Industrial Average (^DJI) edged around 0.3% higher, while the benchmark S&P 500 (^GSPC) closed just above the flatline. The tech-heavy NASDAQ Composite (^IXIC) pulled back about 0.4%.

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

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PARADOX of Progress

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

By Staff Reporters

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The Paradox of Progress explores the tension between societal progress and individual well-being.

According to colleague Eugene Schmuckler PhD MBA MEd, it questions whether advancements in technology, economy, and society truly lead to greater happiness and fulfillment for individuals, or if they create new forms of dissatisfaction or inequality.

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DAILY UPDATE: Community Health Center Data Hack and CHIP Revocations as Markets Bounce Back

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

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Community Health Center, Inc. (CHC) detected a data breach on Jan. 2 after identifying unusual activity within its computer systems. An investigation confirmed that a skilled hacker had accessed and extracted data but did not delete or lock any information. If CHC’s claims are accurate, this is a positive outcome, as hackers often deploy ransomware, a type of attack in which they lock systems and demand payment before restoring access.

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

Over one million Floridians have had their health insurance revoked as a result of a nationwide disenrollment from coverage that was previously safeguarded as part of the COVID-19 pandemic response. Medicaid and Children’s Health Insurance Program (CHIP) enrolment in Florida has fallen from 5.1 million to 3.8 million between March 2023 and October 2024, according to health care research non-profit the Kaiser Family Foundation (KFF).

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US stocks bounced back on Monday as investors looked beyond President Trump’s latest tariff threats, including new levies on steel and aluminum imports.

The Dow Jones Industrial Average (^DJI) added nearly 0.4% after the blue-chip index on Friday booked its worst loss in nearly four weeks. The S&P 500 (^GSPC) rose roughly 0.6%, while the NASDAQ Composite (^IXIC) popped nearly 1% as shares of AI chip giant Nvidia (NVDA) surged 3%, along with other tech stocks.

Investors weighed Trump’s recent pledge to introduce additional 25% tariffs on steel and aluminum from all countries, with the official announcement expected on Monday.

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

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DENTIST OATH: Ethical Patient Care

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

EVIDENCE BASED DENTISTRY

By Staff Reporters

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Evidence Based Dentistry?

Despite the high praise for evidence-based dentistry, there are a number of limitation and criticism that has been given to the process. Chambers DW provides quite a bit of criticism, as well as a number of limitations that evidence-based dentistry provides. In no particular order of importance, a number of mentioned objections towards this format are:

Evidence-based dentistry is too clumsy due to the concept being poorly defined
The implementation of evidence-based dentistry has been distorted by too heavy of an emphasis of computerized searches for research findings that meet the standards of academics
Although EBD advocates enjoy sharing anecdotal accounts of mistakes others have made, faulting others is not proof that one’s own position is correct
There is no systematic, high-quality evidence that EBD is effective
Patient and practitioner values are the shortest leg of the stool. As they are so little recognized, their integration in EBD is problematic and ethical tensions exist where paternalism privileges science over patient’s self-determined best interests.
MORE: https://pmc.ncbi.nlm.nih.gov/articles/PMC6375114/

Dental Oath

Although dentists, dental hygienists, and dental assistants may not formally recite the Hippocratic Oath, its principles undeniably apply in their practice, particularly in the high-stakes context of emergency medical care.

By embodying these principles, dental professionals not only fulfill their commitment to ethical patient care but also ensure the safety and well-being of those they serve.

More: https://www.ada.org/about/principles/code-of-ethics

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BERTRANDS: Paradox in Probability Theory with Video

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

WHAT IS RANDOM?

By Staff Reporters

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Bertrand’s Paradox is a problem within probability theory first suggested by the French Mathematician Joseph Bertrand (1822–1900) in his 1889 work ‘Calcul des Probabilites’. It sets a physical problem that seems very simple but leads to differing probabilities unless its procedure is more clearly defined.

Based on constructing a random chord in a circle, Bertrand’s paradox involves a single mathematical problem with three reasonable but different solutions. It’s less a paradox and more a cautionary tale. It’s really asking the question: What exactly do you mean by random?

IOW: According to Dan Ariely PhD, two players reaching a state of Nash equilibrium both find themselves with no profits gained via exploitation.

Consequently, over the years the Bertrand paradox has inspired debate, with papers arguing what the true solution is: www.bertrands-paradox.com.

Update: The people from Numberphile and 3Blue1Brown produced a video on YouTube describing and explaining the Bertrand paradox.

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PARADOX: Obsessing About Security Breeds Insecurity?

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

Human life is Inherently Insecure

By Staff Reporters

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The desire for security and feelings of insecurity are the same thing.

The idea of security, financial or otherwise, is an illusion; human life is inherently insecure. But, this doesn’t mean we shouldn’t be prudent with risk and diligent financial planning with strategies like saving and investing.

However, according to colleague Eugene Schmuckler PhD, MBA, MEd seeking security is like many things; the more you try to grasp and obsess about financial security, the more quickly you will reach a point of diminishing returns. You will feel increasingly less secure at a certain point.

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My Thoughts on Artificial Intelligence [AI]

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

By Vitaliy Katsenelson CFA

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Article available in Spanish here.

A century ago, one fifth of the country was involved in agriculture. Due to the transformation of farming technology, only 1% of the country is now involved in farming, while our supermarkets are flooded with cheap food. I could be wrong, but I don’t see the 19% of the country who used to farm wandering around unemployed. They have retrained to do other things.

Innovation disrupts, but it also creates new jobs and improves the standard of living of society. A century ago, you could not have imagined most of the jobs we have today. I’m not just talking about social media celebrities; think about software engineers, data scientists, cybersecurity experts, etc. In fact, most white-collar jobs you see today did not exist 100 years ago. Yes, if you specialized in driving horse-powered carriages, you had to acquire new skills.

AI will displace many jobs, but it will also empower people with new productivity tools. Microsoft Excel replaced jobs that required people to add up rows of numbers with calculators, but it created many more. In the 1960s, corporations had departments filled with typists. A photocopier and then the personal computer put these hardworking folks out of a job, but they retrained to do other things.

If we have a victim mentality, AI will run us over; if we embrace it and adapt it to our lives, it may become our best friend to do the jobs we are doing, while our soon-to-be-unemployed coworkers complain about AI.

AI may have a similar impact on our lives as electricity did. Unless it becomes sentient and just like the Terminator, it turns against us (smarter people than me cannot agree on this, especially on a reasonable time frame, so I withhold my opinion on it), it will likely improve our lives significantly. One industry that immediately comes to mind is healthcare – we need major disruption in that sector.

AI may disrupt and completely reshuffle the power dynamics in some industries. Travel, for example, comes to mind; we may start looking for trips and booking tickets with the help of our AI assistant without going to the travel websites. Some companies will adapt and become winners, while others won’t and will become market-share donors.

As I am typing this, I realize (again, something I do daily now) how important management is. In our analysis, we should pay close attention to how companies are embracing AI. Are they giving it lip service or are they really adopting it and changing the business to take advantage of it?

ChatGPT is a statistical representation of things found on the web, which will increasingly include ITS OWN output (directly and secondhand). You post something picked up from it and it will use it to reinforce its own knowledge. Progressively a self-licking lollipop.

If you want to see ChatGPT creating art, for the fun of it, spend some time on myfavoriteclassical.com, where I post music articles. Every single picture there is created by AI. I love impressionist artists, and thus I love these little AI creations. However, if you zoom in closer, you’ll find violinists playing with toothpicks, pianists with three hands and cellists with multiple arms and legs.

This self-licking lollipop is impressive, but it still has a lot to learn. (By the way, if you have not signed up to receive my classical music-only articles, you have an opportunity to do it here).

Finally, the more we rely on AI and the more content it creates, the less creative it and we become.

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IMPLICIT BIAS: In Nursing [RN]

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

By Staff Reporters

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Implicit or unconscious bias is not intentional, but it has a detrimental impact. Implicit bias in nursing affects nurses’ quality of life and patient outcomes. In a Robert Wood Johnson Foundation study, researchers found that 79% of nurses experienced or observed racism or discrimination from patients and 59% saw or experienced it from colleagues.

Asian and Black nurses are particularly likely to have experienced racial aggression, and 94% of Asian and 93% of Black nurses report that it has affected their mental well-being.

Explore more about implicit bias, including how it impacts nurses and patients. Discover some components of effective implicit bias training for nurses.

READ: https://nursejournal.org/articles/combating-implicit-bias-in-nursing/

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DAILY UPDATE: Vanguard, US Jobs and UnitedHealthcare as the Markets Tank

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

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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The U.S. added 143,000 jobs in January, fewer than economists expected, but the unemployment rate inched down to 4% from 4.1%, beating forecasts. Forecasters surveyed by Dow Jones had anticipated 169,000 payroll gains in January, after a surprisingly large 256,000 jump in December.

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Last month, the Securities and Exchange Commission said Vanguard would pay more than $100 million to settle charges for misleading statements related to capital gains distributions and tax consequences for retail investors who held Vanguard Investor Target Retirement Funds in taxable accounts.

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Major U.S. equities indexes moved lower to close out the trading week as the January jobs report showed slower-than-expected hiring but a down tick in the unemployment rate. Despite the slump in job additions, the overall resilience in the labor market could encourage the Federal Reserve to hold off on additional interest-rate cuts. The S&P 500 and the Dow ended Friday’s session with daily losses of roughly 1.0%. The tech-heavy NASDAQ fell 1.4%.

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Most notable this month is the appointment of Tim Noel as the new CEO of UnitedHealthcare after former CEO Brian Thompson was fatally shot in New York City in December.

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

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Filed under: Drugs and Pharma, Ethics, Information Technology, Investing, Marcinko Associates, Recommended Books, Retirement and Benefits, Sponsors | Tagged: Brian Thompson, credit card, credit report, DJIA, DOW, fed, FOMC, free-credit-report, FTC, identity theft, identity-theft-protection, january jobs, Marcinko, NASA, NASDAQ, PBMs, retirement funds, S&P 500, SEC, textbooks, TNX, UHC, UnitedHealthcare, US jobs, Vanguard, VIX, WSJ | Leave a comment »

GHOST JOBS: No Jobs?

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

By Staff Reporters

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A vexing phenomenon is plaguing the labor market. “Ghost jobs” refer to listings by employers that either aren’t real or have already been filled but never lead to an actual hire. This is frustrating not only to job seekers but also to the Federal Reserve, which is trying to steer the economy to a stable place.

People should be aware of how to distinguish a ghost job posting from a real job posting so they can avoid the disappointment and anticipation of hearing back from a job that never existed.

The warning signs you applied for a ‘ghost job’:

Job opening was posted over 30 days ago
There is no time stamp on the original post
Re-posted role
A vague job description that doesn’t include salary or location
Broad salary range

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Filed under: "Ask-an-Advisor", Career Development, CMP Program, Ethics, Events-Planner, Information Technology | Tagged: fake jobs, Federal Reserve, ghost job, ghost jobs, vague job descriptions | Leave a comment »

PYGMALION: Rosenthal Effect

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

By Staff Reporters

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The Pygmalion Effect, also known as the Rosenthal Effect, is a fascinating psychological phenomenon where higher expectations lead to an increase in performance. This concept originated from a study conducted by Robert Rosenthal and Lenore Jacobson in the 1960s. They discovered that when teachers were led to believe that certain students were expected to perform better academically, those students indeed showed significant improvement.

Here’s a brief overview of how the Pygmalion Effect works:

Expectation Setting: When someone in a position of authority (like a teacher or manager) has high expectations for an individual, they often communicate these expectations through subtle cues.
Behavioral Changes: The individual receiving these cues tends to internalize the expectations and changes their behavior accordingly. They might become more motivated, put in more effort, and show greater persistence.
Performance Improvement: As a result of these behavioral changes, the individual’s performance improves, thereby fulfilling the initial high expectations.

This effect highlights the power of positive reinforcement and belief in someone’s potential. It underscores the importance of fostering a supportive and encouraging environment, whether in educational settings, workplaces, or personal relationships.

If you’re interested in applying the Pygmalion Effect in your life, consider these tips:

Set High, Yet Realistic Expectations: Believe in the potential of those around you and communicate your confidence in their abilities.
Provide Support and Resources: Ensure that individuals have the tools and support they need to meet these expectations.
Offer Positive Feedback: Regularly acknowledge and celebrate progress and achievements to reinforce positive behavior.

Remember, the Pygmalion Effect is a powerful reminder that our beliefs and expectations can significantly influence the outcomes we see in others.

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Filed under: "Doctors Only", Career Development, Ethics, Glossary Terms, Health Economics, LifeStyle, mental health | Tagged: anxiety, behavior, economics, expectations, health, Leniore Jacobson, mental health, personal-development, personal-growth, Pygmalion Effect, Robert Rosenthal, Rosenthal Effect | Leave a comment »

DAILY UPDATE: US Stocks Close Mixed

Posted on February 7, 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“

A Partner of the Institute of Medical Business Advisors , Inc.

http://www.MedicalBusinessAdvisors.com

SPONSORED BY: Marcinko & Associates, Inc.

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Daily Update Provided By Staff Reporters Since 2007.
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US stocks were mixed on Thursday in anticipation of Amazon’s (AMZN) quarterly results, as investors assessed the earnings season so far and eyed President Donald Trump’s fast-moving policy overhaul.

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The Dow Jones Industrial Average (^DJI) fell 0.3%. The S&P 500 (^GSPC) rose more than 0.3%, and the tech-heavy NASDAQ Composite (^IXIC) popped 0.5% on the heels of two winning days in a row for the major gauges.

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The tariff jitters that shook stocks earlier in the week may have eased, but markets are tracking incoming earnings for any company warnings. At the same time, tech- and chip-related results are being scrutinized for signals about the strength of AI demand.

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

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Filed under: Drugs and Pharma, Ethics, Information Technology, Investing, Marcinko Associates, Recommended Books | Tagged: AMZN, DJIA, DOW, FTC, gold, interest rates, Marcinko, NASA, NASDAQ, PBMs, S&P 500, stocks, textbooks, TNX, Trump, valuation, VIX, WSJ | Leave a comment »

COGNITIVE BIAS: In the Dental Community

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

By Staff Reporters

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Cognitive bias is a pattern of thinking in humans that, although flawed, is repeated mindlessly, sometimes resulting in irrational behavior and decisions. Dental personnel need to understand how cognitive biases impact both their patients and their team members. Left unchecked, these automatic associations can cause grave mistakes and injuries, and result in real harm.

This course is designed to help dental team members recognize their own biases and see the need to introspect and self-regulate to change them.

READ: https://dentalacademyofce.com/wp-content/uploads/2022/03/Cognitive-bias-within-the.pdf

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Filed under: "Doctors Only", Ethics, Events-Planner, Glossary Terms, Health Economics, Health Insurance, mental health | Tagged: DDS, DDS bias, dental bias, dental community bias, dentistry, DMD, DMD bias, evidence based dentistry, mental health | Leave a comment »

Bielard, Biehl and Kaiser: Five-Way Investor Personality Model

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

BEHAVIORAL PSYCHOLOGY AND PROFESSIONAL FINANCIAL ADVICE

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

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Fund managers Tom Bailard, Larry Biehl and Ron Kaiser identified five types of investors, each type characterized by their investment preferences and actions. These 5 types are: Individualists, Adventurers, Celebrities, Guardians and Straight Arrows. Key to the different categories is their different attitude to seeking professional financial advice. Defined below:

Individualists have faith in their own investment abilities so do not approach a financial adviser. But they are also cautious.

Adventurers are what may be called high rollers, in that they like big bets, tend not to diversify and are happy to put all their eggs in one basket. They, too, are unlikely to seek financial advice.

Celebrities tend to follow the crowd in investment terms but are aware of their lack of expertise so frequently consult advisers.

Guardians are fearful of losing money, thus prefer rock-solid investments such as government bonds. They, too, are likely to seek professional investment advice.

Straight Arrows exhibit some of the characteristics of individualists and some of adventurers.

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Filed under: "Ask-an-Advisor", Ethics, Experts Invited, Financial Planning, Glossary Terms, iMBA, Inc., Investing, Marcinko Associates, mental health | Tagged: Behavioral Psychology, Biehl and Kaiser, Biehl Kaiser, Bielard, CFP, CMP, creativity, financial advisor, financial planner, five-way investor model, inspiration, investor models, investor personality, Marcinko, mental health, personality model, psychology, self-improvement, writing | Leave a comment »

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