Funding Basics | The Leading Business Education Network for Doctors, Financial Advisors and Health Industry Consultants

DAILY UPDATE: IRS Zaps Debt as Stock Markets Ascend!

Posted on December 20, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Americans who owe back taxes will be given an incentive to pay up after the Internal Revenue Service it would waive nearly $1 billion in late-payment penalties. Roughly 4.6 million individual taxpayers who owe for tax years 2020 and 2021 will be eligible for the penalty relief. The IRS is extending the olive branch because it stopped sending out many collection letters during the pandemic. It hoped the letter halt would help struggling taxpayers and reduce its backlog. The long absence of these computer-generated letters had big consequences for taxpayers. Americans’ debt on unpaid back taxes had been growing with interest and penalties, and many were likely in the dark about just how much they owed.

Here is where the major benchmarks ended:

Here’s where the major benchmarks ended:

The S&P 500 index was up 27.81 points (0.6%) at 4,768.37; the Dow Jones Industrial Average was up 251.90 points (0.7%) at 37,557.92; the NASDAQ Composite^® (COMP) was up 98.03 points (0.7%) at 15,003.22.
The 10-year Treasury note yield (TNX) was down about 3 basis points at 3.924%.
The CBOE^®Volatility Index (VIX) was down 0.03 at 12.53.

Energy shares extended an early week rally behind a continued rebound in WTI Crude Oil futures (/CL), which rose for a fifth straight day and ended near a three-week high above $74 per barrel.

Banks and retailers were also particularly firm. The S&P 500 Retail Select Industry Index (SPSIRE) surged over 2% and ended at its highest level in over 10 months.

And, Tuesday’s big winner was Affirm, whose shares skyrocketed 15% after the buy now, pay later company announced it’s expanding its Walmart partnership to include the retailer’s self-checkout kiosks.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Accounting, Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Taxation, Touring with Marcinko | Tagged: affirm, banks, crude, DJIA, energy, gold, inflation, Marcinko, markets, metals, NASDAQ, oil, real-estate, retailers, Russell Index 2000, RUT, S&P 500, SPSIRE, stock markets, TNX, utilities, Walmart, WTI | Leave a comment »

DAILY UPDATE: Goldman Sachs Speaks as the Stock Markets Rise

Posted on December 19, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

The Federal Reserve’s pivot last week to an easier monetary policy made many investors more bullish toward stocks. You can count Goldman Sachs among them. It has raised its year-end 2024 target for the S&P to 5,100 from 4,700. The new forecast represents an 8% increase from 4,740 on Dec. 18. Goldman has a three-month target of 4,800 and a six-month target of 4,900.

Here is where the major benchmarks ended:

Here’s where the major benchmarks ended:

The S&P 500 index was up 21.37 points (0.5%) at 4,740.56; the Dow Jones Industrial Average was up 0.86 points at 37,306.02; the NASDAQ Composite was up 90.89 points (0.6%) at 14,904.81.
The 10-year Treasury note yield (TNX) was up about 2 basis points at 3.946%.
The CBOE^®Volatility Index (VIX) was up 0.25 at 12.53.

Energy shares were among Monday’s strongest performers behind a rally in WTI Crude Oil futures (/CL), which jumped 1.7% to end at a two-week high amid concern over supply disruptions following attacks on ships in the Red Sea.

Communication services and consumer staples were also firm. Financials gave back some of last week’s sharp gains, with the KBW Bank Index (BKX) down nearly 1%.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, crude oil, DJIA, energy, Federal Rserve, FOMC, gold, Goldman Sachs, inflation, KBX, Marcinko, markets, metals, NASDAQ, oil, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, WTI | Leave a comment »

IRS Inheritance Rule Change and the “Delta Dental” Data Breach

Posted on December 19, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

***

The IRS is demanding billions from small business who took this credit ...

***

The IRS Quietly Changed the Rules on Children’s Inheritance

The IRS just issued Revenue Ruling 2023-2, which had a substantial impact on estate planning, particularly where an irrevocable trust is involved.

In the last decade or so, more families have begun utilizing irrevocable trusts to protect their assets from spend-down in order to qualify for government benefits, such as Medicaid and VA Aid and Attendance. Prior to the issuance of this ruling, it was unclear whether assets passing to beneficiaries through an irrevocable trust would receive a step-up in basis, thereby eliminating any capital gains taxes that would otherwise be owed.

Historically, assets that are disposed of during an individual’s lifetime are subject to capital gains taxes on the increase in value of that asset over time. The amount of capital gains owed is determined largely by the difference between the value at the time of purchase and the value at the time of transfer.

CITE: https://www.r2library.com/Resource

***

Delta Dental of California data breach exposed info of 7 million people

“Delta Dental of California and its affiliates are warning almost seven million patients that they suffered a data breach after personal data was exposed in a MOVEit Transfer software breach.Delta Dental of California provides 24 months of free credit monitoring and identity theft protection services to impacted patients to mitigate the risk of their exposed data.”

LINK: https://tinyurl.com/bp4u2chv

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Accounting, Estate Planning, Financial Planning, Funding Basics, Glossary Terms, Investing, Marcinko Associates, Pruitt's Platform, Sponsors, Taxation, Touring with Marcinko | Tagged: Darrell K. Pruitt, DDS, delta dental, dental, dentist, dentists, department treasury, DMD, Estate Planning, inflation, irrevocable trust, IRS, Marcinko, markets, Medicaid, MOVEit, Revenue Ruling 2023-2, stock markets, TNX, VA Aid | Leave a comment »

DAILY UPDATE: The “Magnificent Seven” Technology Stocks PLUS Uber

Posted on December 18, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Markets: The Magnificent Seven technology mega-cap stocks—Microsoft, Apple, Alphabet, Nvidia, Tesla, Meta, and Amazon—have surged 75% this year, while the other 493 companies in the S&P 500 have gained 12%. The Magnificent Seven now account for nearly 30% of the entire index’s value, per the WSJ.

Stock spotlight: Speaking of the S&P 500, it’s getting a prominent new member—Uber will join the index today. With a market cap of $127 billion, Uber is the most valuable company that hadn’t yet been included in the S&P 500, and it celebrated by notching a 52-week high last week.
CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Health Economics, Information Technology, Investing, LifeStyle, Marcinko Associates, Touring with Marcinko | Tagged: Alphabet, Amazon, Apple, Facebook, google, IPO, Marcinko, markets, Meta, MSFT, NASDAQ, oil, S&P 500, stock markets, tech stocks, Technology, Tesla, Uber, Uber IPO, WSJ | Leave a comment »

DAILY UPDATE: Mental Health and NASDAQ Technology Stocks

Posted on December 16, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

“We kept hearing nightmare stories about Americans not getting the treatment that they needed because insurance companies were denying them care. But we didn’t have enough data to show just how extensive and deep the problem was.”—

Bill Smith, founder of mental health advocacy coalition Inseparable, on patients with mental health diagnoses not receiving care (NPR)

***

The NASDAQ closed at an all-time high yesterday, breaking the record it set in November 2021, as technology stocks continued to rally on the news that the Fed may cut interest rates next year.

DocuSign shot up following reports that the $11 billion company whose tech lets you use your signature without a pen could be up for sale.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Health Economics, Health Insurance, Health Law & Policy, Investing, mental health, Touring with Marcinko | Tagged: Bill Smith, DJIA, DocuSign, Inseparable, Marcinko, markets, mental health, NPR, real-estate, S&P 500, stock markets | Leave a comment »

DAILY UPDATE: Healthcare Artificial Intelligence Safety as the DJIA Sets Record

Posted on December 15, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Twenty-eight healthcare companies, including CVS Health , are signing U.S. President Joe Biden’s voluntary commitments aimed at ensuring the safe development of artificial intelligence (AI), a White House official said yesterday. The commitments by healthcare providers and payers follow those of 15 leading AI companies, including Google, OpenAI and OpenAI partner Microsoft to develop AI healthcare models responsibly.

***

Health insurance company Humana is being accused of allegedly wrongfully denying care to elderly patients, who are enrolled in Medicare Advantage Plans, using an augmented intelligence model “to override” physicians’ orders on “necessary care patients require,” according to a new lawsuit.

The lawsuit, filed by two Humana Medicare Advantage Plan customers on December th 12 in Kentucky, claims that Humana uses an AI model called nH Predict, and it allegedly has a high error rate. And allegedly, despite knowing that it’s inaccurate, the company still uses it.

***

Here is where the major benchmarks ended:

The S&P 500 index was up 12.46 points (0.3%) at 4,719.55; the Dow Jones Industrial Average was up 158.11 points (0.4%) at 37,248.35; the NASDAQ Composite^® (COMP) was up 27.59 points (0.2%) at 14,761.56.

The 10-year Treasury note yield (TNX) was down about 11 basis points at 3.923%, falling under 4% for the first time since early August.
The CBOE® Volatility Index (VIX) was up 0.25 at 12.44.

Financial shares remained among the market’s strongest post-FOMC gainers, reflecting ideas that lower interest rates will boost profit margins for banks. Goldman Sachs (GS) rallied nearly 6%, the second-best gain among Dow companies, and hit a 23-month high. The KBW Bank Index (BKX), which includes major companies like Bank of America (BAC) and Citigroup (C) as well as several regional lenders, surged 5% to a nine-month high.

Also, the small-cap Russell 2000^® Index (RUT) continued to outgain large-cap counterparts, rising 2.7% to a 4 ½-month high.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Ethics, Financial Planning, Funding Basics, Glossary Terms, Health Economics, Health Insurance, Health Law & Policy, Information Technology, Investing, Touring with Marcinko | Tagged: AI, AI companies, BAC, banks, BKX, c, ChatGPT, COMP, CVS Health, DJIA, energy, FOMC, gold, google, GS, Healthcare AI, Human Medicare Advantage, Humana, inflation, Marcinko, markets, Medicare C, Medicare Part C, metals, MSFT, NASDAQ, nH Predict, oil, Open AI, Part C, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, VIX | Leave a comment »

DAILY UPDATE: DJIA Records a High as Treasury Yields Drop

Posted on December 14, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

***

MANY THANKS E.R. HEROES

The holidays can be a stressful time for many, especially emergency healthcare workers, as Emergency Departments and ERs tend to get crowded. Holiday-related injuries spike in December, from slipping in the snow or falling while decorating to overindulging in holiday cocktails. So, to all the emergency healthcare providers working on holidays this year, the ME-P thanks you very much.

Here’s where the major benchmarks ended:

The S&P 500 index was up 63.39 points (1.4%) at 4,707.09; the Dow Jones Industrial Average was up 512.30 points (1.4%) at 37,090.24; the NASDAQ Composite was up 200.57 points (1.4%) at 14,733.96.
The 10-year Treasury note yield (TNX) was down about 18 basis points at 4.024%.
The CBOE® Volatility Index (VIX) was up 0.14 at 12.21.

Financial shares led Wednesday’s gainers, reflecting ideas that lower interest rates will boost profit margins for banks. The KBW Regional Banking Index (KRX) surged nearly 6% and ended at its highest level in over four months. The Fed’s outlook for slower growth in 2024, but no recession, also appeared to drive optimism among smaller companies, which are considered to have greater exposure to economic downturns. The small-cap Russell 2000^® Index (RUT) outpaced its bigger counterparts, gaining 3.5% and ending at a four-month high.

Treasury yields fell sharply, with the 10-year note dropping to a four-month low just above 4%.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, DJIAm, emergency department, emergency room, energy, ER, FED IRs, FOMC, gold, inflation, KBW, KRX, Marcinko, markets, metals, NASDAQ, oil, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, Treasury yields, utilities | Leave a comment »

DAILY UPDATE: Norton Healthcare Hacked – Pharma Chains Give Health Data to Police and the Stock Markets Climb

Posted on December 13, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Kentucky-based healthcare provider Norton Healthcare has confirmed that it has suffered a significant ransomware attack that may have put the data of millions of its patients at risk. In a filing to the Maine Attorney General on December 8th, the healthcare giant said that 2.5 million individuals had been affected by the breach.

***

Meanwhile, the nation’s largest pharmacy chains have handed over Americans’ prescription records to police and government investigators without a warrant, a congressional investigation found, raising concerns about threats to medical privacy. Though some of the chains require their lawyers to review law enforcement requests, three of the largest — CVS Health, Kroger and Rite Aid, with a combined 60,000 locations nationwide — said they allow pharmacy staff members to hand over customers’ medical records in the store.

The policy was revealed in a letter sent to Xavier Becerra, the secretary of the Department of Health and Human Services, by Sen. Ron Wyden (D-Ore.) and Reps. Pramila Jayapal (D-Wash.) and Sara Jacobs (D-Calif.).

HIPAA anyone?

***

Here’s where the major benchmarks ended:

The S&P 500 index was up 21.26 points (0.5%) at 4,643.70; the Dow Jones Industrial Average®(DJI) was up 173.01 points (0.5%) at 36,577.94; the NASDAQ Composite® (COMP) was up 100.91 points (0.7%) at 14,533.40.
The 10-year Treasury note yield (TNX) was down about 3 basis points at 4.206%.
The CBOE® Volatility Index (VIX) was down 0.56 at 12.07.

Technology shares were among Tuesday’s strongest performers despite a 12% drop in Oracle (ORCL), which plunged after reporting lighter-than-expected quarterly revenue late Monday. The Philadelphia Semiconductor Index (SOX) posted its highest close since January 2022.

Financial shares were also firm. Energy shares were under pressure because WTI Crude Oil futures (/CL) extended a slump below $70 per barrel and settled at its lowest price since late June.

Here is where the major benchmarks ended:

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Information Technology, Investing, Touring with Marcinko | Tagged: banks, COMP, crude, DHHS, DJIAm, EHRs, electronic medical records, EMRs, energy, gold, HIPAA, HIT, inflation, iol, IT, Marcinko, markets, medical records, metals, NASDAQ, norton, norton hacked, oil, ORCL, Pramila Jayapal, real-estate, Ron Wyden, Russell Index 2000, RUT, S&P 500, Sara Jacobs, SOX, stock markets, TNX, utilities, WTI, Xavier Becerra | Leave a comment »

U.S. ECONOMY: Perhaps a “Soft Landing” After All?

Posted on December 12, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

YET- HEALTH CARE IS GROWING!

By Staff Reporters

***

***

The US economy is looking like it could avoid a downturn and achieve a soft landing after all. US employers added a more-than-expected 199,000 workers to their payrolls last month, the Bureau of Labor Statistics said recently. The solid result calmed many analysts’ fears that a steeper economic slowdown is imminent due to the Federal Reserve’s earlier interest rate hikes. And, it brings us closer to the coveted “soft landing” scenario, in which the Fed tames inflation on the economy. For example:

The unemployment rate unexpectedly ticked down for the first time since July, to 3.7%.
Average hourly pay increased by 0.4% and is now up 4% for the year, beating the projected pace of annual price growth.
But the job market isn’t quite what it used to be

Last month’s 199-k jobs created were below the average of 240,000 added in the preceding 12 months. Plus, November hiring was confined to just a handful of industries:

Healthcare and the government were responsible for two-thirds of the headcount growth, adding 77,000 and 49,000 jobs, respectively.
The manufacturing sector gained 28,000 workers—but that was largely due to folks returning to work after striking against the Big Three automakers.
CITE: https://www.r2library.com/Resource/Title/082610254

Finally, in another sign that employers might be pulling back from on-boarding new people, the Labor Department reported earlier this week that job openings in late October were at their lowest since March 2021.

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Financial Planning, Funding Basics, Glossary Terms, Health Economics, Healthcare Finance, Investing | Tagged: automakers, BLS, Bureau Labor Statistics, fed, Federal Reserve, FOMC, health care, healthcare, job markets, labor, soft landing, US economy | Leave a comment »

DAILY UPDATE: Health Care, FOMC and the Tepid Markets

Posted on December 12, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

In healthcare, legislators could vote next week on a major health reform package that includes a ban on spread pricing in Medicaid and a push toward site-neutral payments.

In more news from the Hill, a bipartisan bill was introduced that seeks to cancel a 3.4% Medicare pay cut to docs, which has drawn plenty of ire from the industry.

***

The final FOMC meeting of the year will take place this week, and like most work meetings in mid-December, not a whole lot is going to happen. Chair Jerome Powell is widely expected to leave interest rates unchanged as inflation continues its descent to a 2% target. But 2024 planning is in full swing, and investors are desperate to learn when the Federal Reserve thinks it will need to cut rates next year.

***

Here is where the major stock index benchmarks ended:

The S&P 500 index was up 18.07 points (0.4%) at 4,622.44; the Dow Jones Industrial Average® (DJI) was up 157.06 points (0.4%) at 36,404.93; the NASDAQ Composite was up 28.51 points (0.2%) at 14,432.49.
The 10-year Treasury note yield (TNX) was little-changed at 4.239%.
The CBOE® Volatility Index (VIX) was up 0.28 at 12.63.

In addition to retailers, semiconductor company shares also posted outsized gains Monday, boosted in part by a jump of nearly 10% in Broadcom (AVGO). The Philadelphia Semiconductor Index (SOX) gained more than 3% and ended near a two-year high. Transportation companies were also strong.

In other markets, Natural Gas futures (/NG) plunged more than 6% to a six-month low, reflecting warmer-than-normal U.S. temperatures and excess supplies.

Finally, the so-called Magnificent Seven stocks of Apple, Microsoft, Alphabet, Amazon.com, Nvidia, Tesla and Meta Platforms each fell at least 0.8%. Meta led the declines, dropping 2.2%. But only one out of 11 S&P 500 sectors fell. Even the information technology sub-index ticked higher, reflecting gains outside of the largest companies in the sector.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Financial Planning, Funding Basics, Glossary Terms, Health Economics, Health Insurance, Healthcare Finance, Investing, Touring with Marcinko | Tagged: /NG, Alaphabet, Amazon, Apple, banks, DJIA, DJIAm, energy, FOMC, gold, google, healthcare, inflation, interest rates, IRS, Marcinko, markets, Medicaid, medicare, Meta, metals, MSFT, NASDAQ, Nvidia, oil, Powell, real-estate, Russell Index 2000, RUT, S&P 500, SOX, stock markets, Tesla, TNX, utilities | Leave a comment »

The UK Questions Microsoft & OpenAI as Aetna Medicaid Aids Hungry Homeless

Posted on December 12, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

United Kingdom Regulators Looking into Microsoft’s Partnership with OpenAI

A British watchdog is asking for feedback on whether Microsoft’s $13 billion, 49% stake in the ChatGPT-maker’s for-profit division constitutes a merger, the WSJ just eported. So, if the agency decides to launch a formal investigation into whether the partnership creates an unfair advantage in the artificial intelligence industry, it could eventually force the companies to change how they operate.

And, following OpenAI’s dramatic firing and rehiring of CEO Sam Altman last month, Microsoft was given a “nonvoting observer” seat on the OpenAI board.

CITE: https://www.r2library.com/Resource

***

Aetna Better Health of Georgia has invested $510,000 in 17 local organizations that offer services for individuals experiencing food insecurity and homelessness across the state of Georgia.

“A holistic approach to health care starts with ensuring each individual has stable and consistent access to healthy, nutritious foods, as well as a safe place to live,” said Sonya Nelson, division president at Aetna Medicaid. “By partnering with local organizations committed to improving the quality of life for all Georgians, we can help ensure people’s most basic needs are fulfilled and they’re able to prioritize care for themselves and their families.”

***

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Ethics, Financial Planning, Funding Basics, Glossary Terms, Information Technology, Investing, Touring with Marcinko | Tagged: Aetna, Aetna Medicaid, AI, British, Georgia, Marcinko, markets, Medicaid, microsoft, MSFT, openAI, Sam Altman, Sonya Neslon, UK, United Kingdom, WSJ | Leave a comment »

TELE-HEALTH: The “Smile Direct Club” Frowns

Posted on December 11, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

SmileDirectClub is the latest casualty of what some have dubbed a startup Mass Extinction Event.

The telehealth company that attempted to revolutionize traditional orthodontics just announced that it was winding down operations less than three months after it filed for Chapter 11 bankruptcy. At its peak, SmileDirectClub was valued at $8.9 billion and had raised $427 million as a private company before going public in 2019.

CITE: https://www.r2library.com/Resource/Title/082610254

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", "Doctors Only", Accounting, Breaking News, CMP Program, Ethics, Funding Basics, Health Economics, Health Insurance, Healthcare Finance, Information Technology | Tagged: bankruptcy, Chapter 11, mass extinction event, smile direct, smiledirectclub, Tele-Health | Leave a comment »

DAILY UPDATE: “Soft Economic Landing” and Paramount Pictures Corporation

Posted on December 11, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

The S&P 500 heads into the week at its highest level of the year after Friday’s solid jobs report suggested that the Fed could be all clear for a “soft landing”—bringing inflation back to normal without sending the economy into a recession. The S&P and Dow have posted gains for six straight weeks, their longest streak since 2019.

***

But, the week’s big winner was Paramount, which spiked on reports that Shari Redstone might sell the entertainment giant.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: DJIA, DOW, economic landing, Marcinko, Paramount, paramount pictures, Russell Index 2000, S&P 500, Shari Redstone, stock markets, stocks, US economy | Leave a comment »

BONDS: Are Best Right Now?

Posted on December 8, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

CITE: https://www.r2library.com/Resource

***

The bond market just finished its best month since 1985, according to the Financial Times, with investor optimism creating a surge in bond prices and a plunge in yields (reminder: they move in opposite directions). The yield on the benchmark 10-year US Treasury note dipped below 4.3% for the first time since September. And other economic measures are looking good:

The bond rally spilled over to stocks, where the S&P 500 and Dow just clinched their best months since July 2022 and October 2022, respectively.
Mortgage rates dropped for the fifth consecutive week, to 7.22%.

Traders are optimistic that the FOMC may be done hiking interest rates. With recent data showing both consumer spending and the job market cooling down—but not too much—economists see the once-aspirational economic soft landing as achievable, which is great news for Wall Street and to avoid a recession).

CITE: https://www.r2library.com/Resource/Title/082610254

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Financial Planning, Funding Basics, Glossary Terms, iMBA, Inc., Investing | Tagged: bond prices, bond rates, bonds, fed, Federal Reserve, FOMC, inflation, interest rates, IR, IRS, US Treasury. Financial Times, Wall Street | Leave a comment »

DAILY UPDATE: Deflation Pending as Stock Markets Gain

Posted on December 8, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

After grappling with high inflation for more than two years, American consumers are now seeing an economic trend that many might only dimly remember: falling prices — but only on certain types of products.

Deflation is impacting so-called durable goods, or products that are meant to last more than three years, Wall Street Journal reporter David Harrison told CBS News. As Harrison noted in his reporting, durable goods have dropped on a year-over-year basis for five straight months and dropped 2.6% in October from their September 2022 peak.

These items are products such as used cars, furniture and appliances, which saw big run-ups in prices during the pandemic. Used cars in particular were a pain point for U.S. households, with pre-owned cars seeing their prices jump more than fifty percent in the first two years of the pandemic.

Here is where the major benchmarks ended:

The S&P 500 Index was up 36.25 points (0.8%) at 4,585.59; the Dow Jones Industrial Average was up 62.95 points (0.2%) at 36,117.38; the NASDAQ Composite was up 193.28 points (1.4%) at 14,339.99.
The 10-year Treasury note yield (TNX) was up about 2 basis points at 4.144%.
The CBOE® Volatility Index (VIX) was up 0.09 at 13.06.

Tech sector strength was highlighted by the Philadelphia Semiconductor Index (SOX), which gained nearly 3%. Financial shares were also among the strongest performers, as the KBW Regional Banking Index (KRX) rose 2% and ended at a four-month high. In other markets, WTI crude oil futures (/CL) posted the market’s first gain in six days after earlier dropping to its lowest level since late June.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, cars, CBS, crude, david harrison, deflation, DJIA, energy, falling prices, gold, inflation, KRX, Marcinko, markets, metals, NASDAQ, oil, real-estate, Russell Index 2000, RUT, S&P 500, SOX, stock markets, TNX, used cars, utilities, VIX | Leave a comment »

DAILY UPDATE: Apple Market Cap Up as Major Stock Indexes Ease

Posted on December 7, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

MEDICARE ANNUAL ENROLLMENT ENDS

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Apple regains a $3 trillion market cap and is on track to end the year as the world’s most valuable company for the 5th time in a row.

Today marks the 82nd anniversary of the attack on Pearl Harbor that drew the US into WWII.

Here’s where the major benchmarks ended:

The S&P 500^® index (SPX) was down 17.84 points (0.4%) at 4,549.34; the Dow Jones Industrial Average^® (DJI) was down 70.13 points (0.2%) at 36,054.43; the NASDAQ Composite^® (COMP) was down 83.20 points (0.6%) at 14,146.71.
The 10-year Treasury note yield (TNX) was down about 5 basis points at 4.117%.
The CBOE^® Volatility Index (VIX) was up 0.10 at 12.95.

Energy shares were again among the market’s weakest performers as crude oil futures extended a slump, closing below $70 per barrel for the first time since late June on concerns over slowing global demand. And, Liz Ann Sonders of Schwab said a “somewhat stealthy” rotation continued under the market’s surface, with the S&P 500® Equal Weight (SPXEW) and Russell 2000^®(RUT) indexes outperforming both the S&P 500 and NASDAQ over the past month or so. She also noted a defensive tone to Wednesday’ trading, illustrated by strength in utilities and weakness in technology.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: "Ask-an-Advisor", Alternative Investments, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: Apple, DJIAm, energy, gold, inflation, Marcinko, markets, medicare, metals, NASDAQ, oil, open enrollment, Pearl Harbor, real-estate, Russell Index 2000, RUT, S&P 500, Schwab, Sonders, SPXEW, stock markets, Technology, TNX, utilities, VIX | Leave a comment »

CAPITAL REQUIREMENT BANK RISKS: Basel III Endgame?

Posted on December 6, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

The heads of Wall Street’s eight biggest banks will warn lawmakers today that the “Basel III Endgame” proposal will hurt the economy and hamper lending, according to each of their prepared testimonies. Regulators in July proposed strengthening regulations by requiring large U.S. banks to set aside more capital to absorb potential losses. Banks repeatedly slammed the proposal, saying this is not justified as they are well-capitalized.

The CEOs of the top banks will appear before the Senate Banking Committee today to make their case – Wells Fargo’s (NYSE:WFC) Charles Scharf, Bank of America’s (NYSE:BAC) Brian Thomas Moynihan, JPMorgan’s (NYSE:JPM) Jamie Dimon, Citigroup’s (NYSE:C) Jane Fraser, State Street’s (NYSE:STT) Ronald O’Hanley, BNY Mellon’s (NYSE:BK) Robin Vince, Goldman Sachs’ (NYSE:GS) David Solomon, and Morgan Stanley’s (NYSE:MS) James Gorman.

“The proposed Basel III Endgame rule would unjustifiably and unnecessarily increase capital requirements by 20%-25% for the largest banks,” according to Jamie Dimon’s prepared testimony. “Banks would be limited in their ability to deploy capital in the times we’re most needed, and the rule will have a harmful ripple effect on the economy.”

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Accounting, Breaking News, Financial Planning, Funding Basics | Tagged: Basel III, big banks, capital requirements, Jamie Dimon | Leave a comment »

DAILY UPDATE: Non-Physician Practice Ownership Quality Down as Stock Markets Slip

Posted on December 6, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Nearly 60% of doctors who practice as employees of hospitals and other corporate entities say that non-physician practice ownership results in lower quality patient care, per a new survey commissioned by the Physicians Advocacy Institute. Loss of face time with patients and greater focus on finances negatively impact quality, they say.

Here is where the major benchmarks ended:

Here’s where the major benchmarks ended:

The S&P 500 index was down 2.60 points (0.1%) at 4,567.18; the Dow Jones Industrial Average was down 79.88 points (0.2%) at 36,124.56; the NASDAQ Composite® (COMP) was up 44.42 points (0.3%) at 14,229.91.
The 10-year Treasury note yield was down about 11 basis points at 4.18%.
The CBOE® Volatility Index (VIX) was down 0.23 at 12.85.

Energy shares were among Tuesday’s weakest performers on pressure from slumping crude oil futures, which dropped for a fourth consecutive day and hit a five-month low amid concern over global demand. Retail and transportation sectors were also soft. Technology and consumer discretionary shares were among the few gainers.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Quality Initiatives, Touring with Marcinko | Tagged: CBOE, COMP, energy, gold, inflation, Marcinko, markets, metals, NASDAQ, non physician ownership, oil, Private Equity, Russell Index 2000, RUT, S&P 500, stock markets, TNX, VIX | Leave a comment »

DAILY UPDATE: Stock Indexes Pull Back

Posted on December 5, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

Here is where the major benchmarks ended yesterday:

The S&P 500® index (SPX) was down 24.85 points (0.5%) at 4,569.78; the Dow Jones Industrial Average® (DJI) was down 41.06 points (0.1%) at 36,204.44; the NASDAQ Composite (COMP) was down 119.54 points (0.8%) at 14,185.49.
The 10-year Treasury note yield (TNX) was up about 4 basis points at 4.264%.
The BOE® Volatility Index (VIX) was up 0.45 points at 13.08.

Technology and communications services shares were among the weakest performers Monday, with the Philadelphia Semiconductor Index (SOX) dropping 1.2%, its lowest level since mid-November.

By contrast, many smaller companies held up better. The small-cap-focused Russell 2000® Index (RUT) rose 1% and ended at a three-month high, extending a recent upswing. In other markets, gold futures (GC) plunged after earlier posting an intraday record above $2,152 an ounce.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, COMP, energy, GC, gold, inflation, Marcinko, markets, metals, NASDAQ, oil, real-estate, Russell 2000 Index, Russell Index 2000, RUT, S&P 500, SOX, SPX, stock markets, TNX, utilities, VIX | Leave a comment »

DAILY UPDATE: IRS Ups Interest Rate Penalty with Economic Soft Landing?

Posted on December 4, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

The Internal Revenue Service (IRS) is raising the stakes for those who underpay their taxes by ratcheting up the interest penalty that will be assessed in next spring’s tax filing season. Earlier this fall, the IRS increased its interest penalty on estimated tax underpayments to 8% – a notable jump from 3% just two years ago. The IRS indicated that the interest rate penalty is determined every quarter and that for taxpayers other than corporations the assessed rate is the federal short-term rate plus three percentage points.

***

Speaking of a possible US economic “soft-landing“, the S&P 500 closed at a 2023 high on Friday, the VIX (Wall Street’s “fear gauge”) has fallen to a nearly four-year low, and December has been the third-best month for the S&P since 1928. Even crypto is on a roll as bitcoin topped $40,000 for the first time since May 2022.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: Bitcoin, crypto, fear gauge, inflation, interest rate penalty, Internal revenue service, IRS, IRS interest rate penalty, Marcinko, S&P 500, soft landing, tax underpayments, VIX | Leave a comment »

ALERT: Remote Patient Monitoring

Posted on December 4, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

RPM CONSUMER ALERT

***

***

The U.S. Department of Health and Human Services Office of Inspector General is alerting the public about a fraud scheme involving monthly billing for remote patient monitoring. This scam involves signing up Medicare enrollees for remote patient monitoring (RPM). Legitimate RPM involves using medical devices such as scales, glucose monitors, blood pressure cuffs, cardiac rhythm devices, and other equipment to remotely monitor for anomalies in patients with chronic medical conditions. This new treatment is beneficial for those whose condition might deteriorate quickly, where monitoring can reduce complications, hospitalizations, or death.

CITE: https://www.r2library.com/Resource/Title/082610254

Unscrupulous companies are signing up Medicare enrollees for this service, regardless of medical necessity. Scammers have several ways to make contact. It may involve phone solicitations (“cold calling”), internet ads (“click bait”), or television advertising. These contacts may originate from a Durable Medical Equipment Company (DME) or pharmacy. Equipment may or may not be sent or is equipment that is not FDA-approved.

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

Billing then occurs for set-up, patient teaching, and monthly monitoring of data. Most often, the monthly monitoring never happens, but the enrollee is billed monthly anyway.

Source: OIG

COMMENTS APPRECIATED

Thank You

***

Filed under: Alerts Sign-Up, Book Reviews, Funding Basics, Glossary Terms, Health Economics, Health Insurance, Healthcare Finance, Information Technology, LifeStyle, Quality Initiatives, Risk Management | Tagged: alert, click bait, cold calling, consumer alert, DHHS, DME, durable medical equipment, FDA, medicare, OIG, remote patient monitoring, RPM | Leave a comment »

JEROME POWELL: Speaks On “Premature” Interest Rate Cuts

Posted on December 3, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

What Is Money Factor for SMB? : On Auto Monthly Lease Payment

***

With the Fed’s aggressive rate hikes to curb inflation looking like they’ve finally come to an end thanks to encouraging data on prices falling, investors are starting to look forward to when the central bankers start slashing rates again.

CITE: https://www.r2library.com/Resource/Title/082610254

But Jerome Powell sought to pour some cold water on the rate cut hype cycle during a speech at Spelman College in Atlanta, Georgia yesterday, saying that it was too soon “to speculate on when policy might ease.” However, investors still think he’ll come around: Markets are putting the odds that the Fed will cut rates in March above 50% and are totally convinced it’ll happen by May, according to Bloomberg.

***

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Breaking News, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Investing, LifeStyle | Tagged: Bloomberg, deflation, fed, Federal Reserve, FOMC, inflation, interest rate cuts, interest rates, IRS, Jerome Powell, Powell, premature interest rate cuts | Leave a comment »

DAILY UPDATE: Stock Markets Rally and IPOs

Posted on December 3, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

As we reported, the S&P 500 had its best day of the year on Friday as stocks kept their November rally rolling right into December. Pfizer, however, fell to its lowest since March 2020 after announcing that it’s pulling the plug on its experimental twice-a-day weight loss pill because it caused too many negative side effects even as pharmaceutical companies are rushing to serve the growing weight loss market.

***

And, Panera Bread filed IPO paperwork, the Financial Times reported. And it’s not the only household name that’s anticipated to hit brokerage apps next year as more companies are once again considering going public. The past two years have been an IPO stale mate as rising interest rates led to a tepid market for newcomers. Last year, Panera itself aborted a public listing it was planning via a special purpose acquisition company [SPAC] due to harsh market conditions.

CITE: https://medicalexecutivepost.com/2022/06/13/spac-v-direct-listing-v-ipo/

But, things might be different in 2024. Fast-fashion behemoth Shein also recently filed paperwork for what could be a blockbuster IPO that raises as much as $90 billion, per Bloomberg. The publication says that more companies are rumored to be thinking about joining the potential IPO bonanza. For example:

Kim Kardashian might list her $4 billion undergarment brand, Skims.
Reddit is supposedly flirting with the idea of going public. It would be the first major social media IPO in years, and it’s been in the offing since last year, when Reddit was valued at $15 billion.

However, all IPOs have not done well:

The Birkenstock and Instacart IPOs fell short of expectations according to investment data from Dealogic
Three out of four companies that IPOed this year were trading below their offer prices as of the middle of last month.
Companies debuting on the public markets raised a meager $20 billion so far this year, a slight rebound from 2022 but a ~90% decline from 2021.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Drugs and Pharma, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: Birkenstock, Bloomberg, Dealogic, Financial Times, inflation, instacart, IPOs, Marcinko, markets, NASDAQ, Panera Bread, Pfizer, public markets, Reddit, Russell Index 2000, RUT, S&P 500, Shein, Skims, SPAC, stock markets | Leave a comment »

DAILY UPDATE: Sidelines Awash with Cash in Up Markets

Posted on December 2, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

There’s almost $6 trillion of cash sitting on the sidelines in money-market funds, with the potential for some portion of it to be reallocated into “carefully selected risk assets.”

CITE: https://www.r2library.com/Resource

This is according to Ali Dibadj, chief executive of London-based Janus Henderson Investors, which had $308.3 billion in assets under management as of September. About $187.9 billion, or 61%, of that was in equity strategies.

***

Here’s where the major benchmarks ended:

The S&P 500 index was up 26.83 points (0.6%) at 4,594.63, up 0.8% for the week; the Dow Jones Industrial Average® (DJI) was up 294.61 points (0.8%) at 36,245.50, up 2.4% for the week; the NASDAQ Composite was up 78.81 points (0.6%) at 14,305.03, up 0.4% for the week.
The 10-year Treasury note yield was down about 14 basis points at 4.213%.
The CBOE® Volatility Index (VIX) was down 0.27 at 12.65.

Friday’s gains followed the market’s strongest month of the year, as the S&P 500 and NASDAQ surged 8.9% and 10.7% in November, respectively, their best monthly performances since July 2022. Among sectors, the KBW Regional Bank Index (KRX) jumped 5.3% Friday, and retail shares were also among the top gainers.

Shares of smaller companies extended a recent rally as the small-cap-focused Russell 2000® Index (RUT) gained 3.1% for the week and ended at a 2-1/2-month high.

***

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, CASH, DJIA, inflation, KBW, KRX, Marcinko, markets, money market funds, money market mutual funds, Mutual Funds, NASDAQ, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities | Leave a comment »

DAILY UPDATE: DJIA Rockets Upward!

Posted on December 1, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

***

Here is where the major benchmarks ended:

The S&P 500 index was up 17.22 points (0.4%) at 4,567.80, up 8.9% for the month; the Dow Jones Industrial Average was up 520.47 points (1.5%) at 35,950.89, up 8.8% for the month; the NASDAQ Composite was down 32.27 points (0.2%) at 14,226.22, up 10.7% for the month.
The 10-year Treasury note yield (TNX) was up about 6 basis points at 4.33%.
CBOE® Volatility Index (VIX) was down 0.07 at 12.91.

The Dow’s gain Thursday was driven in part by Salesforce (CRM), which soared nearly 9% after the cloud software company reported stronger-than-expected quarterly results. The technology sector was otherwise soft, with the NASDAQ-100® (NDX) down 0.7% but still up 10.7% for the month. Small-cap stocks also posted a firm November, illustrated by a monthly gain of nearly 9% in the Russell 2000® Index (RUT).

And, Nathan Peterson, director of derivatives analysis at the Schwab Center for Financial Research, said the weakness in tech shares likely reflected consolidation after firm gains earlier this month. The NASDAQ Composite may also face some technical resistance around 14,350, a level where sellers stepped in back in July.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Portfolio Management, Touring with Marcinko | Tagged: banks, CBOE, DJIAm, energy, gold, inflation, Marcinko, markets, metals, NASDAQ, Nathan Peterson, oil, real-estate, Russell Index 2000, RUT, S&P 500, Schwab, stock markets, TNX, utilities, VIX | Leave a comment »

DAILY UPDATE: Hospital Ransomware Attack as Stock Markets Mixed Ahead of Inflation Reading

Posted on November 30, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

A ransomware attack has caused a health care chain, which operates 30 hospitals in six states, to move patients from some of its emergency rooms to other hospitals, while putting certain procedures on pause, the company announced.

According to a statement from Ardent Health Services, the attack happened on November 23rd. The company said as a result of the attack, it took its network offline and suspended user access to its information technology applications, including the software used to document patient care.

***

Here is where the major benchmarks ended:

Here’s where the major benchmarks ended:

The S&P 500^® index was down 4.31 points (0.1%) at 4,550.58; the Dow Jones Industrial Average was up 13.44 points at 35,430.42; the NASDAQ Composite^® was down 23.27 points (0.2%) at 14,258.49.
The 10-year Treasury note yield (TNX) was down about 8 basis points at 4.261%.
CBOE^® Volatility Index (VIX) was up 0.29 at 12.98.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Health Economics, Information Technology, Investing, Touring with Marcinko | Tagged: Ardent Health, CBOE, energy, inflation, Marcinko, markets, NASDAQ, RansomWare, Russell Index 2000, S&P 500, stock markets, TNX, VIX | Leave a comment »

GM ALERT: Buy-Back as Stock Rises

Posted on November 29, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.CERTIFIEDMEDICALPLANNER.org

***

***

General Motors plans to sharply increase cash return to shareholders, as Chief Executive Mary Barra seeks to reassure investors about the health of GM’s core car-making business after setbacks in fledgling pursuits such as electric and driver-less vehicles.

The company just announced it will work to offset higher labor expenses from its new contract with the United Auto Workers and unionized employees in Canada. The contracts will add a total of $9.3 billion in costs over about four years, including $1.5 billion next year, higher than analysts had estimated.

Barra is trying to jump-start GM’s flailing shares while also refocusing investors on the underlying strength of its main business: selling gas- and diesel-powered trucks and SUVs. It marks a shift in the message from recent years, during which the CEO sought to recast GM as a tech company poised to transcend the messy world of car manufacturing.

GM said it would log strong profits this year despite a six-week strike that shaved $1.1 billion from its bottom line in the third and fourth quarters. The company expects full-year operating profit of $11.7 billion to $12.7 billion, after withdrawing its guidance last month during the strike

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Breaking News, CMP Program, Financial Planning, Funding Basics, iMBA, Inc., Investing, Sponsors | Tagged: Certified Medical Planner™, CMP, General Motors, GM, Mary Barra, SUVs | Leave a comment »

DAILY UPDATE: Apple Credit Card, Drug Prices and the Modest Stock Markets

Posted on November 29, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Apple is pulling the plug on its credit card partnership with Goldman Sachs Group, the Wall Street Journal reported on Tuesday. The tech giant recently sent a proposal to the Wall Street bank to exit the contract in the next 12 to 15 months, the report said, citing people briefed on the matter.

***

Senators Elizabeth Warren (Democrat) and Mike Braun (Republican) sent a letter to the US Department of Health and Human Services last week, asking it to investigate whether large insurance companies are hiking prescription drug prices at pharmacies they own

***

Here is where the major benchmarks ended:

Here’s where the major benchmarks ended:

The S&P 500® index (SPX) was up 4.46 points (0.1%) at 4,554.89; the Dow Jones Industrial Average was up 83.51 points (0.2%) at 35,416.98; the NASDAQ Composite® (COMP) was up 40.73 points (0.3%) at 14,281.76.
The 10-year Treasury yield was down about 6 basis points at 4.33%.
The CBOE® Volatility Index (VIX) was little-changed at 12.69.

Semiconductor and transportation shares were among the weakest performers Tuesday, and regional banks were also under pressure. Small cap stocks also lagged. The Russell 2000® Index (RUT) fell about 0.4% for its lowest close in a week.

Retailers and utilities were among the firmest sectors. In other markets, the U.S. Dollar Index (DXY) weakened to its lowest level since mid-August, reflecting expectations that U.S. interest rates have peaked.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Drugs and Pharma, Financial Planning, Funding Basics, Glossary Terms, Health Insurance, Healthcare Finance, Information Technology, Investing, Touring with Marcinko | Tagged: Apple, banks, credit card, crefit cards, DHHS, DJIAm, drug, drug prices, Drugs, DXY, energy, gold, Goldman Sachs Group, inflation, interest rates, IRS, Marcinko, markets, metals, Mike Braun, NASDAQ, oil, pharmacies, pharmacy, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, Wall Street, Wall Street Journal, Warren, WSJ | Leave a comment »

DAILY UPDATE: Interest Rate Cuts, CPA Holidays Spending Watch and the Markets

Posted on November 28, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Wall Street is gearing up for rate cuts. Yep! Twenty months after the Federal Reserve began a historic campaign against inflation, investors now believe there is a much greater chance that the central bank will cut rates in just four months than raise them again in the foreseeable future.

Interest-rate futures indicated last week a roughly 60% chance the Fed will lower rates by a quarter-of-a-percentage point by its May 2024 policy meeting, up from 29% at the end of October, according to CME Group data. The same data has pointed to four cuts by the end of the year. And, investors, battered by the Fed’s efforts to slow the economy, have reacted by driving the S&P 500 up nearly 9% this month. That is despite the wagers reflecting different possible paths for the economy, not all of them favorable for stocks.

Of course, investors look ahead to the release this week of key US inflation data that could provide a guide for the Federal Reserve’s plans for interest rates going into the new year.

CITE: https://www.r2library.com/Resource

***

Read: Can AI save accounting? (the Journal of Accountancy)

***

Here is where the major benchmarks ended:

The S&P 500 Index was down 8.91 points (0.2%) at 4,550.43; theDow Jones Industrial Average^® (DJI) was down 56.68 points (0.2%) at 35,333.47; the NASDAQ Composite^® was down 9.83 points (0.1%) at 14,241.02.
The 10-year Treasury note yield (TNX) was down about 10 basis points at 4.387%.
CBOE Volatility Index^® (VIX) was up 0.23 at 12.69.

Transportation shares were among the weakest performers Monday, and energy was also soft behind a drop in crude oil futures. Weakness in many retail stocks suggested some concern over consumer spending given high interest rates and slower job growth. The S&P Retail Select Index (SPSIRE) fell 0.6% but is still up 8.2% for the month. Consumer discretionary and real estate shares were among the few gainers.

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Accounting, Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Taxation, Touring with Marcinko | Tagged: Accounting, AI, banks, CME Group, CPA, CPAs, DJIA, energy, Federal Reserve, FOMC, inflation, interest rates, Marcinko, markets, metals, NASDAQ, oil, Russell Index 2000, RUT, S&P 500, SPSIRE, stock markets, TNX, utilities, VIX | Leave a comment »

CYBER MONDAY, et al.

Posted on November 27, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Many wanted to discount Black Friday this year, but discounts only made it stronger. Despite analysts’ tepid outlook, the shopping holiday generated a record $9.8 billion in online sales in the US, a 7.5% increase over a year ago, according to Adobe Analytics

Here is where the major benchmarks ended the month:

The S&P 500 has had a sensational month—up nearly 8.7%. It’s one of the best Novembers on record. Since 1928, the S&P has gained more than 8% in November fewer than 10 times, per Bloomberg.

CITE: https://www.r2library.com/Resource

And, don’t expect things to slow today—Adobe predicts a record $12 billion in sales on Cyber Monday, a 5.4% increase over last year and the biggest online shopping day in US history. Retailers are set to cut prices by 30% on electronics, one of the biggest sales drivers over the past week.

COMMENTS APPRECIATED

Thank You

***

Filed under: Accounting, Alerts Sign-Up, Alternative Investments, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Investing, LifeStyle, Marcinko Associates, Media Mentions and PR, Touring with Marcinko | Tagged: black Friday, Bloomberg, cyber monday, DJIA, inflation, Marcinko, markets, NASDAQ, retailers, Russell Index 2000, RUT, S&P 500, stock markets | Leave a comment »

DAILY UPDATE: Holiday Spending Economics with Mixed Stock Markets

Posted on November 25, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Shopping data reveals that Q4 isn’t as important as one might expect. For example, the holiday quarter in 2022 accounted for 26.8% of the year’s sales, just a hair over the 25% mark if sales were evenly spread across the year, per the US Census Bureau. Of course, some types of retailers depend on the holiday quarter far more than others. Discretionary retailers (which sell the things you want, but don’t need…aka gifts) rely on Q4 for up to 40% of their yearly sales, according to McKinsey. For department stores, clothing stores, and toy stores, the holiday season really is make-or-break. GameStop, for instance, recorded 37% of its annual revenue last year in the last three months of 2022.

But for other retailers, Q4 isn’t such a big deal. People apparently read throughout the year because book stores only depend on the fourth quarter for 27.4% of sales. People also need to eat food all year long: Q4 accounted for 26.3% of sales for grocery stores.

Meanwhile, gas stations, car dealerships, and building material companies perform worse in the holiday quarter than at other times of the year.

Here is where the major benchmarks ended:

CITE: https://www.r2library.com/Resource

The S&P 500 Index was 2.72 up points (0.1%) at 4,559.34, up 1% for the week; the Dow Jones Industrial Average^®(DJI) was up 117.12 points (0.3%) at 35,390.15, up 1.3% for the week; the NASDAQ Composite was down 15.00 points (0.1%) at 14,250.85, up 0.9% for the week.

The 10-year Treasury note yield (TNX) was up about 5 basis points at 4.47%.
CBOE Volatility Index (VIX) was down 0.34 at 12.46.

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Health Economics, Healthcare Finance, Investing, Touring with Marcinko | Tagged: CBOE, economics, holiday economics, holiday spending, inflation, Marcinko, markets, NASDAQ, Russell Index 2000, RUT, S&P 500, stock markets | Leave a comment »

MORTGAGE RATES: Elevated on Black Friday!

Posted on November 24, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

Elevated mortgage rates are set to keep sellers of previously owned homes out of the market heading into next year, but sales will “bottom out” in early 2024, Fannie Mae said this week, before a rebound the following year.

CITE: https://www.r2library.com/Resource

Mortgage rates hovered near 8 percent as recently as October, the highest level it has hit since the turn of the millennium, which has scared used homeowners from selling their homes as many prefer to stay in lower rates secured in years past. This “lock in effect,” as Fannie Mae analysts describe it, has added to a depleted supply of homes available for buyers and helped push up prices.

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Alternative Investments, Experts Invited, Financial Planning, Funding Basics, LifeStyle, Taxation | Tagged: black Friday, elevated mortgages, Fannie Mae, home costs, home mortgage, home prices, house costs, house mortgage, mortgage, mortgage rates, mortgages | Leave a comment »

DAILY UPDATE: Thanksgiving Travel Gas Prices Down – Narrow Traffic Lanes Safer – Walgreens Pharmacies Closed as the Stock Markets Roar

Posted on November 23, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

***

Thanksgiving is a trading holiday. Both the New York Stock Exchange and the Nasdaq are closed. Black Friday, one of the biggest shopping days of the year, is a half day for the stock market. Both stock exchanges close at 1:00 p.m. ET, with eligible options trading until 1:15 p.m. Normal trading hours resume on the Monday after Thanksgiving, also known as Cyber Monday, when many online retailers host major sales.

***

***

Thanks to plummeting prices at the pump, US drivers will save a collective $1.2 billion this Thanksgiving travel period, and day, compared to last year, according to GasBuddy. The average price per gallon is down nearly 46 cents from a year ago, and more than 50,000 stations now show gas prices at $2.99/gallon or less.

***

Narrow traffic lanes are safer than wide ones. Researchers at Johns Hopkins analyzed more than 1,000 streets in seven major cities across the US and found that narrower roads mitigated traffic collisions in certain conditions. The study did not find a significant difference between roads 9-feet wide and those 10- or 11-feet wide, but it did conclude that traffic accidents increase 1.5x when a road widens from 9 feet to 12 feet. Traffic fatalities are the leading cause of death for Americans aged 1–54.

***

Walgreens will close most of its pharmacies and stores on Thanksgiving Day for the first time in the company’s history, executives said last Thursday. The move to close more than 8,700 stores for the federal holiday comes as some Walgreens workers staged a three-day walkout this fall to push for improved working conditions and increased staffing numbers, Reuters reported.

***

Here is where the major benchmarks ended on Wednesday:

The S&P 500 Index was up 18.43 points (0.4%) at 4,556.62, near a four-month high close; the Dow Jones Industrial Average^®(DJI) was up 184.74 points (0.5%) at 35,273.03; the NASDAQ Composite was up 65.88 points (0.5%) at 14,265.86.
The 10-year Treasury note yield (TNX) was down about 1 basis point at 4.41%, after earlier dropping to a two-month low under 4.37%.
CBOE Volatility Index (VIX) was down 0.50 at 12.85.

Communications services and technology were among the strongest performers Wednesday. Food and beverage companies were also firm. Energy shares were among the weakest performers Wednesday behind a drop of over 1% in WTI Crude Oil futures (/CL). ), which fell following reports OPEC delayed a weekend meeting until November 30th, a possible reflection of cartel members struggling to reach consensus over production cuts. WTI crude ended just under $77 a barrel, down 19% from a 2023 high above $95 in late October.

COMMENTS APPRECIATED

Thank You

***

ORDER: https://www.routledge.com/Risk-Management-Liability-Insurance-and-Asset-Protection-Strategies-for/Marcinko-Hetico/p/book/9781498725989

***

Filed under: Alternative Investments, Breaking News, Drugs and Pharma, Financial Planning, Funding Basics, Health Economics, Investing, LifeStyle, Risk Management, Taxation | Tagged: crude oil, gas, gas prices, gasbuddy, Johns Hopkins, narrow traffic lanes, NASDAQ, NYSE, oil, OPEC, pharmacies, prices, Reuters, Risk Management, thanksgiving, thanksgiving day, Thanksgiving gas prices, traffic lanes, walgreens, WTI | Leave a comment »

DAILY UPDATE: Nvidia Up, Zhao of Binance is Out and the Stock Index Win Streak Ends

Posted on November 22, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

How to Close Binance Account - Cryptalker

SPONSOR: http://www.MarcinkoAssociates.com

***

Nvidia reported another quarter of record sales and gave a strong revenue outlook, pointing to red-hot demand for chips that underpin the artificial-intelligence boom. Huge investments in AI by tech giants from Microsoft to Amazon.com and by other large corporations have helped propel Nvidia’s sales to unprecedented levels in recent quarters.

***

The chief executive of Binance, the largest global cryptocurrency exchange, plans to step down and plead guilty to violating criminal U.S. anti-money-laundering requirements, in a deal that may preserve the company’s ability to continue operating, according to people familiar with the matter. And, the U.S. Department of Justice has just brought criminal charges against Binance and its billionaire founder and CEO, Changpeng Zhao.

Here is where the major benchmarks ended:

The S&P 500 Index was down 9.19 points (0.2%) at 4,538.19; the Dow Jones Industrial Average^® (DJI) was down 62.75 points (0.2%) at 35,088.29; the NASDAQ Composite was down 84.55 points (0.6%) at 14,199.98.

The 10-year Treasury note yield (TNX) was down about 2 basis points at 4.404%.
The CBOE Volatility Index^® (VIX) was down 0.06 at 13.35.

Financial and technology shares were among the weakest sectors Tuesday, with the KBW Regional Banking Index (KRX) dropping 2.1%. Small-cap stocks also gave back some of a recent rally, as the Russell 2000^® Index(RUT) fell 1.3% after touching a two-month high Monday. Health care, materials and utilities were among the few sectors to post gains.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your referral Count: 0

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Investing, Touring with Marcinko | Tagged: AI, Amazon, banks, binance, Changpeng Zhao, DJIAm, energy, gold, inflation, KRX, Marcinko, markets, metals, microsoft, MSFT, NASDAQ, Nvidia, oil, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, Zhao | Leave a comment »

FINANCE BENEFITS: Health Care News

Posted on November 21, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

HSAs and FSAs

By Staff Reporters

***

***

As cold and flu season truly sets in, major home delivery platforms are now allowing customers to purchase products using their health benefits.

***

Two major healthcare deals closed last week, including a $3 billion merger between Virgin Pulse and third-party administrator HealthComp, on the heels of a relatively quiet year for healthcare M&A deals.

CITE: https://www.r2library.com/Resource

And … Redesign Health has launched Harmonic Health. The digital health company’s care team will partner with PCPs, neurologists, healthcare systems and ACOs to deliver comprehensive dementia care.

***

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", "Doctors Only", Alerts Sign-Up, Breaking News, Experts Invited, Funding Basics, Health Economics, Health Insurance, Health Law & Policy, Healthcare Finance, Information Technology, Managed Care, Practice Management | Tagged: ACO, ACOs, dementia, Fierce Health Finance, FSA, FSAs, Harmonic Health, HealthComp, HSA, HSAs, neurologists, PCPs, Redesign Health, VBC, Virgin Pulse | Leave a comment »

DAILY UPDATE: Microsoft and Strong Technology Stock Market Gains

Posted on November 21, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Stocks started the short trading week by ticking upward yesterday. Microsoft climbed to its highest in a year after appearing to be the winner in OpenAI’s Sam Altman drama.

Read: Recommendations on books, classes, and music from Bill Gates. (GatesNotes)

***

Here is where the major US stock market benchmarks ended:

The S&P 500 Index was up 33.36 points (0.7%) at 4,547.38; the Dow Jones^® Industrial Average (DJI) was up 203.76 points (0.6%) at 35,151.04; the NASDAQ Composite® was up 159.05 points (1.1%) at 14,284.53.
The 10-year Treasury note yield (TNX) was down about 2 basis points at 4.42%.
CBOE Volatility Index® (VIX) was down 0.39 at 13.41.

Strength in technology was illustrated by the Philadelphia Semiconductor Index (SOX), which jumped almost 2% and neared a four-month high. Communications services shares were also strong, as were energy companies, helped by a second-straight day of sharp gains in crude oil futures.

The small-cap focused Russell 2000 Index (RUT) rose 0.5% to a two-month high, following last week’s 5.4% rally that outpaced its large-cap counterparts.

And, Bayer’s stock had its worst day ever, dropping the company’s value by ~$8 billion, after a US jury ordered it to pay $1.56 billion over claims its Roundup weedkiller caused cancer and the company had to stop the trial for its top drug candidate because it wasn’t working.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Refer a Colleague: MarcinkoAdvisors@msn.com

Your Referral Count: 0

Thank You

***

Filed under: "Ask-an-Advisor", Alerts Sign-Up, Alternative Investments, Drugs and Pharma, Financial Planning, Funding Basics, Glossary Terms, Health Economics, Healthcare Finance, Interviews, Investing, Recommended Books, Touring with Marcinko | Tagged: AI, altman, banks, Bayer, Bill Gates, DJIAm, energy, Gates, gold, inflation, Marcinko, markets, metals, microsoft, MSFT, NASDAQ, oil, openAI, real-estate, referral, Russell Index 2000, RUT, S&P 500, SOX, stock markets, TNX, utilities | Leave a comment »

DAILY UPDATE: The U.S. Stock Markets

Posted on November 18, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Here is where the major benchmarks ended on Friday:

The S&P 500 Index (SPX) was up 5.78 points (0.1%) at 4,514.02, up 2.2% for the week; the Dow Jones Industrial Average (DJI) was up 1.81 points at 34,947.28, up 1.9% for the week; the NASDAQ Composite was up 11.81 points (0.1%) at 14,125.48, up 2.4% for the week.
The 10-year Treasury note yield was down about 1 basis point at 4.439%.
CBOE’s Volatility Index (VIX) was down 0.54 at 13.78.

Retail shares were among Friday’s strongest sectors, helped by a nearly 30% surge by Gap (GPS) after the apparel company stronger-than-expected quarterly results. Energy companies were also higher thanks to a nearly 4% rise in WTI Crude Oil futures (/CL). Oil prices are still down 20% from a 2023 peak of more than $95 posted in late September.

In other markets, the U.S. dollar index dropped 1.8% for the week to touch its weakest level since September 1st, reflecting stepped-up expectations that interest rates have peaked.

***

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, crude oil, DJIAm, energy, Gap, gold, inflation, Marcinko, markets, metals, NASDAQ, oil, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, WTI | Leave a comment »

DAILY UPDATE: Mixed U.S. Stock Markets

Posted on November 17, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Over the course of the last few weeks, Cathie Wood of ARKK has been offloading the firm’s holdings in Roku, Inc. (NASDAQ:ROKU). Across all of her firm’s funds, Wood has sold stock in the streaming company totaling over $56 million. The move comes after Roku released its financials for q3.

Here is where the major benchmarks ended:

The S&P 500 Index was up 5.36 points (0.1%) at 4,508.24; the Dow Jones Industrial Average was down 45.74 points (0.1%) at 34,945.47; the NASDAQ Composite was up 9.84 points (0.1%) at 14,113.67.
The 10-year Treasury note yield (TNX) was uabout 9 basis points at 4.445%.
Cboe’s Volatility Index (VIX) was up 0.14 at 14.32.

Walmart’s commentary weighed on the retail sector. Energy was also a laggard, as crude oil futures fell 5% to a four-month low of less than $73 a barrel, in part because record U.S. crude production has boosted supply.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: ARKK, banks, Cathie Wood, crude, energy, gold, inflation, Marcinko, markets, metals, NASDAQ, oil, real-estate, Roku, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, VIX, Walmart | Leave a comment »

DAILY UPDATE: Government Shutdown Averted as US Markets Extend their Gains

Posted on November 16, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

Senate leaders voted Wednesday night in favor of the short-term government funding bill the House passed Tuesday night ahead of Friday’s shutdown deadline. House Speaker Mike Johnson pitched a two-step plan that he described as a “laddered CR” — or continuing resolution — that will keep the government funded at 2023 levels. The bill extends government funding until January 19th for the Veterans Affairs, Transportation, Housing and Urban Development and Energy departments, as well as for military construction. The rest of the government is funded until February 2nd, 2024.

Here is where the major benchmarks ended:

The S&P 500^® Index (SPX) was up 7.18 points (0.2%) at 4,502.88; the Dow Jones Industrial Average was up 163.51 points (0.5%) at 34,991.21; the NASDAQ Composite was up 9.45 points (0.1%) at 14,103.84.
The 10-year Treasury note yield (TNX) was up about 10 basis points at 4.541%.
CBOE’s Volatility Index (VIX) was up 0.02 at 14.18.

Retail and financial shares were among Wednesday’s strongest performers. The KBW Regional Banking Index (KRX) rose 1.3% to a 2½-month high. Transportation and consumer staples were also higher. Energy shares were one of the few laggards as crude oil futures sank more than 2% after the Energy Department reported a larger-than-expected increase in U.S. crude inventories.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, DJIAm, energy, gold, inflation, KBW, KRX, Marcinko, markets, metals, NASDAQ, oil, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, utilities, VIX | Leave a comment »

DAILY UPDATE: US Economic Prognostications as Stock Markets Surge

Posted on November 15, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

SPONSOR: http://www.MarcinkoAssociates.com

***

US Economic leaders are looking to the past for some inspiration on how to deal with the present—the only issue is, no one seems to be able to agree which past era they should be studying. But, predictions diverge, for example.

Deutsche Bank believes the U.S. economy closely resembles the turbulent times of the 1970s, an outlook prompted by the war in Israel, oil shocks, and rampant inflation.
Meanwhile economists at the White House say the inflationary period after World War II acts as a better guide because pent-up demand from the pandemic will eventually fade away.
UBS disagrees with both, saying the 1990s more closely resembles the economic climate world leaders are currently attempting to navigate. A note from the UBS Chief Investment Office, led by Jason Draho, questioned whether the 2020s would act as “another roaring 20s” seen a century before. During this period, technological advances led to a rapid increase in productivity, while major industries like automotive, film and chemicals took off. The data suggests today’s economy has officially entered a new regime, UBS outlined: “A regime is defined by its growth, inflation, and rate attributes. These are all at their highest levels since prior to the global financial crisis (GFC).”

Here is where the major benchmarks ended:

The S&P 500 Index was up 84.15 points (1.9%) at 4,495.70; the Dow Jones Industrial Average (DJI) was up 489.83 points (1.4%) at 34,827.70; the NASDAQ Composite (COMP) was up 326.64 points (2.4%) at 14,094.38.
The 10-year Treasury note yield (TNX) was down about 18 basis points at 4.453%.
CBOE’s Volatility Index (VIX) was down 0.60 at 14.16.

The small-cap focused Russell 2000 Index (RUT), which has lagged large-cap benchmarks for most of the year, jumped more than 5% Tuesday. Small-caps are often seen as being more exposed to the economic cycle and had suffered because of concerns that high interest rates could push the economy into recession.

Other interest rate-sensitive sectors, such as real estate, materials, and utilities, also saw outsize gains.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, DJIAm, energy, gold, inflation, Israel, Marcinko, markets, markets rise, metals, NASDAQ, oil, oil shocks, real-estate, Russell Index 2000, RUT, S&P 500, stock markets, TNX, UBS, UBS CHief Investment Officer, UBS CIO, US economic leaders, utilities | Leave a comment »

ECONOMY: CPI Prices Steady Pending Government Shut-Down?

Posted on November 14, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

DEFINITION: In the USA shutdowns occur when funding legislation required to finance the Federal Government is not enacted before the next fiscal year begins. In a shutdown, the federal government curtails agency activities and services, ceases non-essential operations, furloughs non-essential workers, and retains only essential employees in departments that protect human life or property. Shutdowns can also disrupt state, territory and local levels of government.

Fortunately, prices held steady for consumers and are growing at a slower pace, the U.S. government just reported Tuesday morning, as overall prices in October were the same as what consumers paid in September.

The Bureau of Labor Statistics says prices in October were unchanged as gasoline prices declined and shelter costs continued to rise. The Consumer Price Index rose 3.2% compared to a year ago, the latest sign that inflation is slowing down as interest rates rise and the job market gives up some of its recent strength.

CITE: https://www.r2library.com/Resource

***

And, the stock markets rocked upward as Presidents Biden and Xi meet in San Francisco and Congress counts down toward a possible government shutdown. As stocks were a mixed bag yesterday as investors kept their eyes trained on Washington for the latest inflation good news data and to see whether lawmakers can hammer out a budget deal to keep the government from shutting down on Friday.

Yet, Boeing stock took off following reports that China may soon end its freeze on the 737 Max, as well as the announcement of several deals for new aircraft, including Emirates’s $52 billion order for 95 planes.

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Alerts Sign-Up, Breaking News, Experts Invited, Funding Basics, Investing | Tagged: Biden, BLS, Boeing, Bureau Labor Statistics, China, Consumer Price Index, CPI, Emirates, government shut down, inflation, Investing, shut down, stocks, stocks mixed, Xi | Leave a comment »

DAILY UPDATE: McLaren Health Care and Mr Cooper Bank Experience Security Breach as Stocks are Mixed Ahead of Inflation Data

Posted on November 14, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

Michigan-based healthcare nonprofit McLaren Health Care notified more than 2 million people about a data breach exposing personal information on Thursday, according to a data breach notification report. Unauthorized access to McLaren systems began on July 28th and lasted through August 23rd before the company noticed it a week later on August 31st, according to a notice on the McLaren website.

***

And, top US mortgage lender Mr Cooper has confirmed that “certain customer data” may have been exposed following a recent cyberattack. Precisely which data could have been exposed remains unconfirmed as the company continues to investigate “around the clock,” but affected customers are being promised complimentary credit monitoring services in due course.

***

And so, here is where the major benchmarks ended today:

The S&P 500^® Index (SPX) was down 3.69 points (0.1%) at 4,411.55; the Dow Jones Industrial Average was up 54.77 points (0.2%) at 34,337.87; the NASDAQ Composite (COMP) was down 30.36 points (0.2%) at 13,767.74.
The 10-year Treasury note yield was up about 1 basis point at 4.636%.
CBOE’s Volatility Index (VIX) was up 0.59 at 14.76.

Energy shares were among the strongest performers Monday, with an assist from stronger crude oil futures, which jumped for a second straight day but remain near 3½-month lows touched last week. Health care and consumer staples were also higher. Utilities led decliners, with the Dow Jones Utility Index (DJU) falling to its lowest level in over a week.

From a technical standpoint, chart patterns “remain in the bulls’ favor,” Nathan says, with the S&P 500 closing above 4,400 and its 100-day moving average (currently just above 4,402) for the second day in a row. He pegs key near-term resistance at roughly 4,500. That’s about where the index encountered resistance in late August and early September, with 4,600 a key intermediate hurdle for the bulls.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Information Technology, Investing | Tagged: banks, COMP, DJIAm, DJU, energy, gold, health data breach, inflation, markets, McLaren Health Care, McLaren website, mortgage lender, mortgage lender breach, Mr Cooper, Mr Cooper website, NASDAQ, oil, Russell Index 2000, S&P 500, VIX | Leave a comment »

DAILY UPDATE: World Kindness Day 2023

Posted on November 13, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

***

SPONSOR: http://www.MarcinkoAssociates.com

***

World Kindness Day, an international holiday that was formed in 1998, to promote kindness throughout the world and is observed annually on November 13th as part of the World Kindness Movement. It is observed in many countries including the United States, Canada, Japan, Australia and the U.A.E. World Kindness Day presents us with the opportunity to reflect upon one of the most important and unifying human principles. On a day devoted to the positive potential of both large and small acts of kindness, try to promote and diffuse this crucial quality that brings people of every kind together.

***

And, stocks markets are on a roll with almost too many trophies to hand out. The NASDAQ had its best day since May on Friday, while the S&P 500 has gained for nine of the last 10 sessions, rising 7.2% in that period. Falling bond yields have investors thinking the market is poised for a rally to close out 2023.

CITE: https://www.r2library.com/Resource

COMMENTS APPRECIATED

Thank You

***

Filed under: Ethics, Financial Planning, Funding Basics, Investing, LifeStyle, Touring with Marcinko | Tagged: Daivd Marcinko, inflation, Kindness Day, markets, NASDAQ, S&P 500, world, World Kindness Day | Leave a comment »

FEES: Online Investment Platforms?

Posted on November 12, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

***

DR. DAVID EDWARD MARCINKO MBA CMP™

SPONSOR: http://www.MARCINKOASSOCIATES.com

***

***

Regardless of the technology infra-structure, there are generally four types of fees that an online investment platforms charge:

Trading Fees: Any fixed charge attached to each trade that you make. This will typically be either a flat fee or what’s known as the “spread,” when your broker charges you based on the difference between the buying and the selling price of an asset.
Trading Commissions: This is when a broker will charge you for each trade you make based on a percentage of the volume or value of each trade.
Inactivity Fees: Any fees that the broker charges you for not trading, such as for keeping money in a brokerage account.
Non-Trading/Other Fees: Any form of fee for using this platform not covered above. For example, a brokerage might charge you for making deposits into your account, taking money out of it or signing up for additional services.
CITE: https://www.r2library.com/Resource

***

COMMENTS APPRECIATED

Thank You

***

Filed under: "Ask-an-Advisor", Accounting, Career Development, Financial Planning, Funding Basics, Information Technology, Investing, Touring with Marcinko | Tagged: FEES, Investing fees, Marcinko, online investing platform fees, Online investing platforms | Leave a comment »

DAILY UPDATE: Moody’s Down but Stocks Blast Off!

Posted on November 11, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

Today is Veterans Day, when Americans honor all who have served our country in the armed forces. It’s celebrated on November 11th each year because on that morning in 1918 (at the 11th hour of the 11th day of the 11th month), the Allied nations and Germany signed an armistice that ended the fighting in World War I.

***

SPONSOR: MarcinkoAssociates.com

***

Moody’s credit rating agency downgraded its outlook on the US government from ‘stable’ to ‘negative’, citing the risks to the nation’s fiscal strength and the political polarization in Congress. The agency has maintained the US’s current top-grade AAA rating, but has raised the possibility that it may be cut in the future. While the move does not automatically mean it will downgrade America’s creditworthiness, it increases the chances. Even the prospect of a US downgrade could hurt Americans’ investment portfolios, make it even more expensive for them to borrow money, and make it more costly for the government to pay off its debts.

These effects would likely be even more painful if Moody’s does eventually downgrade the US debt. The nation’s diminished fiscal strength, undone by extreme partisanship in Washington, was a key driver of the action, according to a statement from Moody’s.

***

***

YET: Here is where the major benchmarks ended on Friday:

The S&P 500 Index was up 67.89 points (1.6%) at 4,415.24, up 1.3% for the week; the Dow Jones Industrial Average was up 391.16 points (1.2%) at 34,283.10, up 0.7% for the week; the NASDAQ Composite was up 276.66 points (2.1%) at 13,798.11, up 2.4% for the week.
The 10-year Treasury note yield was down about 1 basis point at 4.622%.
CBOE’s Volatility Index (VIX) was down 0.11 at 14.20.

Nearly every market sector gained Friday, with semiconductors and other tech shares leading the pack. The Philadelphia Semiconductor Index (SOX) jumped more than 4% to its highest level in more than two months. Consumer discretionary and energy companies were also strong, the latter thanks to a nearly-2% gain in crude oil futures.

But small-caps continued to lag their bigger counterparts, with the Russell 2000 Index (RUT) rising 1.1% Friday, though it was still down 3.1% for the week.

CITE: https://www.r2library.com/Resource

***

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Investing, Touring with Marcinko | Tagged: banks, DJIAm, energy, gold, inflation, Marcinko, markets, Moody's, NASDAQ, oil, Russell Index 2000, RUT, S&P 500, SOX, us credit, US Debt, Veterans Day, VIX | Leave a comment »

DAILY UPDATE: Powell Speaks and Stock Markets Tumble

Posted on November 10, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

The NYSE and the NASDAQ will follow a regular schedule on Friday, the day before Veterans Day. The U.S. bond market, which may be poised for a big comeback next year if yields continue to fall, will be open Friday as usual.

***

The major indexes ended a brief winning streak after comments from Fed Chairman Jerome Powell stoked concerns over interest rates. More interest-rate hikes are still a possibility to bring inflation under control, he said. In a dramatic campaign to tamp down inflation, the Federal Reserve has raised the benchmark federal funds rate to a range of 5.25% to 5.5%, a 22-year high.

Here is where the major stock market benchmarks ended:

The S&P 500 Index was down 35.43 points (0.8%) at 4,347.35; the Dow Jones Industrial Average was down 220.33 points (0.7%) at 33,891.94; the NASDAQ Composite was down 128.97 points (0.9%) at 13,521.45.
The 10-year Treasury note yield was up about 12 basis points at 4.632%.
CBOEs Volatility Index (VIX) was up 0.84 at 15.28.

Nearly every market sector was under pressure Thursday, with consumer discretionary and health care among the weakest performers. Energy shares were an exception, thanks to a rebound in crude oil futures, though oil prices remain near the 3½-month lows touched earlier this week. The U.S. dollar index (DXY) strengthened for the fourth- straight day.

CITE: https://www.r2library.com/Resource

***

COMMENTS APPRECIATED

Thank You

***

Filed under: "Advisors Only", "Ask-an-Advisor", Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing | Tagged: banks, crude oil, DJIAm, DXY, energy, FOMC, gold, inflation, interest rates, IRS, Jerome Powell, markets, NASDAQ, oil, Russell Index 2000, S&P 500, Veterans Day, VIX | Leave a comment »

DAILY UPDATE: T-Market Crash, Amazon Healthcare Launches as the Markets Take a Breather

Posted on November 9, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

SPONSOR: http://www.MarcinkoAssociates.com

***

***

Big banks are sitting on $650 billion of unrealized losses, Moody’s has estimated.
It’s a sign even Wall Street’s best-known names are feeling the heat from the Treasury-market rout.
Crashing bond prices sank Silicon Valley Bank earlier this year, and there may be more chaos to come.

CITE: https://www.r2library.com/Resource

Yet, the billionaire Larry Fink says investors should be 100% in equities right now if they can handle it? Can you?

***

Amazon.com is turning to Prime members to bolster its healthcare business, an industry where the company has sought to expand for years. The tech giant just revealed plans to offer its millions of Amazon Prime subscribers a low-cost annual membership to One Medical, the primary-care business Amazon purchased for $3.9 billion earlier this year. Amazon says Prime subscribers can now become One Medical members for $9 a month, or $99 a year. The typical cost to become a One Medical member is $199 annually.

RxPass: https://medicalexecutivepost.com/2023/01/27/amazon-launches-rxpass-generic-drug-subscription-program/

Clinic: https://medicalexecutivepost.com/2022/12/01/amazon-healthcare-act-ii/

***

The S&P 500 continued to an eighth positive day, building on its longest hot streak in two years, while the Dow inched downward, ending its best run since July. Warner Bros. Discovery suffered its worst day since March 2021 after reporting that although Barbie raked in $1.5 billion for the company, it still lost money last quarter.

Here is where the major benchmarks ended:

The S&P 500 Index was up 4.40 points (0.1%) at 4,382.78; the Dow Jones Industrial Average was down 40.33 points (0.1%) at 34,112.27; the NASDAQ Composite was up 10.56 points (0.1%) at 13,650.41.
The 10-year Treasury note yield (TNX) was down about 6 basis points at 4.511%.
CBOE’s Volatility Index (VIX) was down 0.36 at 14.45.

Retailers and banks were among the weakest performers Wednesday. Energy stocks also slipped in step with WTI crude oil futures, which touched a 3½-month low of under $75 a barrel on escalating concern over global demand. Real estate was one of the few sectors to rise Wednesday.

The U.S. dollar index (DXY) rose to a seven-week high earlier in the day before fading.

COMMENTS APPRECIATED

Thank You

***

Filed under: Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Investing, LifeStyle | Tagged: Amazon, Amazon Healthcare, banks, crude oil, DJIA, DXY, energy, gold, inflation, Larry Fink, markets, Moody's, NASDAQ, oil, One Medical, Russell Index 2000, S&P 500, Silicon Valley Bank, treasury market, US dollar index, WTI | Leave a comment »

DAILY UPDATE: A New NIH Director and a Home Loan Bank System Update as the Stock Markets Ascend Again

Posted on November 8, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

The Senate on Tuesday confirmed Dr. Monica M. Bertagnolli, a cancer surgeon who currently leads the National Cancer Institute, as the next director of the National Institutes of Health, overriding the objections of Senator Bernie Sanders of Vermont, the chairman of the Senate health committee.

***

The U.S. regulator charged with overseeing the Federal Home Loan Bank system said in a report on Tuesday the system is overdue for an update in terms of its structure and operation. The Federal Housing Finance Agency emphasized in the report there needs to be a clearer distinction between the purpose of those banks, which is to aid liquidity needs at banks in a bid to facilitate mortgage lending, with the Federal Reserve, which should serve as a source of emergency liquidity for banks.

CITE: https://www.r2library.com/Resource

***

Here is where the major stock market benchmarks ended:

The S&P 500 Index was up 12.40 points (0.3%) at 4,378.38; the Dow Jones Industrial Average was up 56.74 points (0.2%) at 34,152.60; the NASDAQ Composite (COMP) was up 121.08 points (0.9%) at 13,639.86.
The 10-year Treasury note yield (TNX) was down about 9 basis points at 4.571%.
CBOE’s Volatility Index (VIX) was down 0.08 at 14.81.

The small-cap-focused Russell 2000 Index (RUT) fell a second day, reflecting concerns about the economy tipping over into recession.

Energy stocks fell as WTI crude oil futures tumbled more than 4% to a 3½-month low on concerns about softening demand from China.

***

COMMENTS APPRECIATED

Thank You

***

Filed under: "Doctors Only", Alternative Investments, Career Development, Financial Planning, Funding Basics, Glossary Terms, Investing | Tagged: banks, crude oil, DJIAm, energy, Energy stocks, Fderal Housing Finance Agency, Federal Home Loan Bank, gold, home loans, inflation, markets, Monica Bertagnolli, NASDAQ, National Institute Health, NIH, oil, Russell Index 2000, RUT, S&P 500, TNX, WTI | Leave a comment »

DAILY UPDATE: A.I. Financial Audits, Microsoft & Amazon and the Mixed Markets

Posted on November 7, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

***

***

We’ve all known the AI audit is coming—but a new report from KPMG proves just how popular AI has already become in the audit process. The report polled more than 200 financial reporting leaders in the US between July and August. The headline takeaway? The AI audit is already close to ubiquitous.

Sixty-five percent of respondents said they’re already using AI in their job functions, while 49% said they’ve “piloted or deployed generative AI solutions.” Meanwhile, 71% said they expect to use AI “extensively in the next three years.”

CITE: https://www.r2library.com/Resource

***

Microsoft and Amazon are reportedly in the midst of a mega deal summing up to approximately $1 billion.The deal will help Amazon acquire 550,000 Microsoft 365 E5 licenses for its corporate workers, alongside one million Microsoft 365 F5 licenses for its front line employees.Amazon employees already use traditional, on-premises Microsoft Office software, but the company is now gearing up to transition to cloud-based productivity tools.

***

Here is where the major benchmarks ended:

The S&P 500 Index was up 7.64 points (0.2%) at 4,365.98; the Dow Jones Industrial Average was up 34.54 points (0.1%) at 34,095.86; the NASDAQ Composite (COMP) was up 40.50 points (0.3%) at 13,518.78.
The 10-year Treasury note yield was up about 9 basis points at 4.649%.
CBOEs Volatility Index (VIX) was down 0.02 at 14.89.

Oilfield services shares and other energy companies were among the weakest performers Monday despite crude oil futures rising after Saudi Arabia and Russia reaffirmed commitments to extra voluntary oil supply cuts until the end of the year.

The banking and real estate sectors were also under pressure. Health care stocks led gainers, as the S&P 500 Health Care Index (SP500-35) climbed to its highest level in nearly three weeks. The small-cap-focused Russell 2000 Index (RUT) dropped about 1.3%

COMMENTS APPRECIATED

Thank You

***

Filed under: Accounting, Alternative Investments, Financial Planning, Funding Basics, Glossary Terms, Information Technology, Investing, Research & Development | Tagged: AI, AI audits, Amazon, banking, banks, DJIAm, energy, gold, inflation, KPMG, markets, microsoft, Microsoft Office, MSFT, NASDAQ, oil, Russell 2000 Index, Russell Index 2000, RUT, S&P 500, S&P 500 Health Care Index, SP500-35 | Leave a comment »

FINANCIAL PLANNING: Physician Niche Focused Fiduciaries

Posted on November 7, 2023 by Dr. David Edward Marcinko MBA MEd CMP™

(“Informed Voice of a New Generation of Fiduciary Advisors for Healthcare”)

By Dr. David Edward Marcinko MBA CMP™

http://www.MarcinkoAssociates.com

As fellow doctors, we understand better than most the more complex financial challenges physicians can face when it comes to their financial planning. Of course, most physicians ultimately make a good income, but it is the saving, asset and risk management tolerance and investing part that many of our colleagues’ struggle with. Far too often physicians receive terrible guidance, have no time to properly manage their own investments and set goals for that day when they no longer wish to practice medicine.

For the average doctor or healthcare professional, the feelings of pride and achievement at finally graduating are typically paired with the heavy burden of hundreds of thousands of dollars in student loan debt.

You dedicated countless hours to learning, studying, and training in your field. You missed birthdays and holidays, time with your families, and sacrificed vacations to provide compassionate and excellent care for your patients. Amidst all of that, there was no time to give your finances even a second thought.

Between undergraduate, medical school, and then internship and residency, most young physicians do not begin saving for retirement until late into their 20s, if not their 30s. You’ve missed an entire decade or more of allowing your money and investments to compound and work for you. When it comes to addressing your financial health and security, there’s no time to waste.

And you may be misled by unscrupulous “advisors”.

For example:

Question: Do you know the difference between a “Fee-Only” and a “Fee-Based financial advisor? Not knowing may cost you tens of thousands of dollars, or more, in excessive advisory fees.

MORE: https://marcinkoassociates.com/financial-planning/

Of course, all of this compound’s physician stress and burnout related issues, as well.

MORE: https://marcinkoassociates.com/process-what-we-do/

COMMENTS APPRECIATED

Thank You

***

Filed under: "Advisors Only", "Ask-an-Advisor", Accounting, Career Development, Experts Invited, Financial Planning, Funding Basics, Health Economics, Health Insurance, iMBA, Investing, Marcinko Associates, Touring with Marcinko | Tagged: david marcinko, fee based, fee onl;y, fiduciary, Financial Planning, Marcinko Associates, Physician Burn-Out, physician focused financial planning, physician stress | Leave a comment »

« Previous Page — Next Page »

Subscribe MEDICAL EXECUTIVE-POST?

Member Statistics

ME-P Information & Content Channels

Ann Miller RN MHA [Managing Editor]

CERTIFIED MEDICAL PLANNER® program

Most Recent ME-Ps

PodiatryPrep.org

ME-P Free Advertising Consultation

Medical & Surgical e-Consent Forms

iMBA Inc., OFFICES

ME-P Publishing

SEEKING INDUSTRY INFO PARTNERS?

Reader Comments, Quips, Opinions, News & Updates

Start-Up Advice for Businesses, DRs and Entrepreneurs

Up-Trending ME-Ps

Capitalism and Free Enterprise Advocacy

OIG Fraud Warnings

Share this:

Share this:

The IRS Quietly Changed the Rules on Children’s Inheritance

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Share this:

Calendar

Advertising Info:

Book Offerings:

Dictionary Offerings:

Dr. David Marcinko [Publication List]

Education Online:

Health Dictionary Series Wiki Project

Lower Extremity Medicine & Surgery

Pending NIHCM Grant Applications:

Practice Lists:

Professor Marcinko

Related Blogs: