ME-P SYNDICATIONS:
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Forbes.com,
WashingtonPost.com,
BusinessWeek.com,
USNews.com, Reuters.com,
TimeWarnerCable.com,
e-How.com,
News Alloy.com,
and Congress.org
BOARD CERTIFICATION EXAM STUDY GUIDES
Lower Extremity Trauma
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How Insurers Can Break the Gordian Knot of Commoditization
[A Bain Infographic]
Insurance companies don’t have much contact with customers, making it hard to build loyalty.
But, this Bain research shows how insurers can build loyalty by focusing on ecosystem services.
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http://www.bain.com/publications/articles/insurance-loyalty-2017-infographic.aspx
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Filed under: iMBA, Inc., Insurance Matters | Tagged: Bain Capital, Insurance Commoditization | Leave a comment »
A CNN Exclusive
(CNN) California’s insurance commissioner has launched an investigation into Aetna after learning a former medical director for the insurer admitted under oath he never looked at patients’ records when deciding whether to approve or deny care.
California Insurance Commissioner Dave Jones expressed outrage after CNN showed him a transcript of the testimony and said his office is looking into how widespread the practice is within Aetna.
http://www.cnn.com/2018/02/11/health/aetna-california-investigation/index.html
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
Contact: MarcinkoAdvisors@msn.com
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Filed under: Ethics, Health Insurance, iMBA, Inc. | Tagged: AETNA fraud, AETNA MEDICAL DIRECTOR, California Insurance Commissioner | 3 Comments »
For 2012 – 2016
By http://www.MCOL. com
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
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Filed under: Health Economics, Health Insurance, Healthcare Finance, iMBA, Inc. | Tagged: Hospital Inpatient Spending, Hospital Inpatient Utilization | Leave a comment »
The Business Cycle
As part of Merk’s in-house research meetings, they are studying a variety of charts that might affect the markets, ranging from charts on the economy, equities, fixed income, currencies, and commodities.
So, they now share with us an update on select charts on the business cycle and why they might matter when thinking about the markets in 2018.
Please view: The Business Cycle
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Filed under: iMBA, Inc. | 1 Comment »
From EHR to CHR
By Dr. David Edward Marcinko MBA
http://www.CertifiedMedicalPlanner.org
I read this curated article and decided to send it right out to our ME-P readers for comment [EHR = CHR].
Nothing more needs to be said, on my part. Is this mere definitional obfuscation for flawed technology? http://www.HealthDictionarySeries.org
So, what do you think?
http://www.healthcareitnews.com/news/epic-ceo-judy-faulkner-standing-behind-switch-ehrs-chrs
Assessment
A rose by any other name still smells sweet. But, does not an onion stink?
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, IT, business and policy management ecosystem.
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Filed under: Glossary Terms, iMBA, Inc., Information Technology | Tagged: CHR, comprehensive health records, Dr. Marcinko, eHR | 3 Comments »
For 2016
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, IT, business and policy management ecosystem.
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Filed under: iMBA, Inc., Information Technology, Quality Initiatives | Tagged: ealth Plan Provider Data Quality Confidence | Leave a comment »
For FY 2016
By MCOL.com
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
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Filed under: iMBA, Inc. | Tagged: health dispatities, Healthcare Spending Distribution, www.MCOL.com | Leave a comment »
AND … DOCTORS
By Darrell K. Pruitt DDS
Without net-neutrality, cloud-based practice management (which is already more expensive than office-based) could cost even more.
The Impactful Industries
“4 industries that could be impacted by net neutrality – With a historic net neutrality vote set to take place tomorrow, people across the United States are rightly concerned about the future of the internet. Visions of price-tiered online spaces dancing in their heads, constituents all over the country are reaching out to their elected officials in a likely doomed effort to forestall what many see as the inevitable destruction of our mostly level digital playing field.” Healthcare is one of the four.
– Jack Morse for Mashable
[December 13, 2017]
http://mashable.com/2017/12/13/net-neutrality-impacts/#rypwq_M6Gmqi
Morse Speaks:
In addition to just being a pain in the ass, the repeal of net neutrality could do real harm to your health. That’s because the modern medical field has come to depend on that aforementioned free and open internet — something very much at odds with Federal Communications Commission chairman Ajit Pai’s plans.
These days, electronic health records are often kept in the cloud, and fast and reliable access to this data is vital to patient care. What’s more, telemedicine — remotely providing healthcare via some form of telecommunication — is super data heavy. Whether that’s remotely analyzing X-rays, or a rural patient connecting with a doctor in a far-off city, this stuff takes a lot of bandwidth.
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Assessment
Will your small-town hospital be able to compete with the Facebooks of the world when it comes to buying a piece of bandwidth pie? Unfortunately, we may soon have to find out.
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, IT, business and policy management ecosystem.
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Filed under: iMBA, Inc., Information Technology, Pruitt's Platform | Tagged: CLOUD COULD GET EXPENSIVE FOR HEALTHCARE, Jack Morse, net-neutrality | 3 Comments »
The trend is NOT our friend!
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, IT, business and policy management ecosystem.
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Filed under: iMBA, Inc., LifeStyle | Tagged: Child Obesity, www.MCOL.com | 2 Comments »
It’s all about the …. INK!
[By staff reporters]
A medical alert tattoo is quite different from a scar tattoo. People dealing with a serious medical condition, such as diabetes can have a tattoo showing that they are a diabetic, thus meaning a higher likelihood of getting help should they fall under attack and not be able to communicate their problem verbally.
Alert medical tattoos offer a permanent solution as compared to medical alert bracelets. Bracelets have been known to break, and that not only means waiting for a new bracelet, but usually having to spend more money to get a replacement as well. With the consent of their parents, these medical tattoos have even been known to be a solution for children dealing with these kinds of diseases.
People experiencing allergies that can lead to major complications may also consider medical alert tattoos. People who have a penicillin or peanut allergy for example, can benefit from this type of tattoo in the event they eat something that has peanuts in it without their knowledge. This can result in something called anaphylaxis, which is a condition that requires immediate attention and treatment.
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MORE: Medical tattoos: http://www.freetattoodesigns.org/medical-tattoos.html
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Book Marcinko: https://medicalexecutivepost.com/dr-david-marcinkos-bookings/
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, IT, business and policy management ecosystem.
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Filed under: iMBA, Inc., LifeStyle | Tagged: DNR tattoos, Medical Alert Tattoos, Medical Tattoos | 2 Comments »
Happy Birthday!
By Dr. David Marcinko MBA
Yesterday, (Nov 10th) in 1775 the Marine Corp was established in a small tavern in Philadelphia to provide protection for our fleets. The Corp is steeped in history; history that I am proud of and thankful for as an American. We are far from a perfect nation, but we should ALL be proud and thankful for the blessing that is our country.
We live free by NEVER “taking a knee.”
This was from the Commandant of the Marine Corp (his address to all Marines yesterday):
Seventy-Five years ago today, after months of fighting at Henderson Field and along Edson’s Ridge, Marines on Guadalcanal spent the night of 10 November 1942 planning and preparing. Although the Battle of Guadalcanal would continue for three more months, the plans laid on our Corps’ most sacred day became integral to the amphibious campaigns that followed. Success at Guadalcanal proved to be the turning point that ultimately paved the way for Allied victory in the Pacific. Those warriors defended their positions in brutal conditions against a formidable enemy – and triumphed. Through every major conflict our Nation has seen since the Revolution, Marines performed their duty with utmost courage, devotion, and raw determination. Their valiant deeds in the face of overwhelming challenges give us confidence and inspire us to meet the trials of today. As we pause to celebrate the birth of our Corps this year, we honor the legacy that was passed down to us and we recommit ourselves to carrying those traditions into the future.
This November 10th marks 242 years of warfighting excellence. At places like Trenton, Tripoli, Chapultepec, Belleau Wood, Guadalcanal, Chosin, Khe Sanh, Fallujah, Sangin, and so many others, Marines have fought with an inner spirit – a spirit that bonds us, binds us together as a cohesive team. It’s that intangible spirit that has formed the foundation of our warfighting reputation for the past 242 years. Now it’s our responsibility to ensure we honor and carry on that legacy. The American people expect a Corps of men and women who are committed, selfless, willing to sacrifice, who epitomize honor, courage, commitment, virtue, and character. We owe our Nation and our predecessors no less.
Today, as we celebrate our 242nd birthday, we must remember who we are, where we came from, and why we’re here. We must remember the past, honor those who are no longer with us, focus on today’s battles, and get ready for tomorrow. We can and will prevail as we always have, in any clime and place. But we must prevail together, united by the unyielding spirit in each of us that makes our Corps unique – that willingness to put our Corps and fellow Marines ahead of ourselves. Victory in battle comes through the integrated efforts of many – teamwork. We value the sacrifices and contributions of every Marine and Sailor, as well as our family members without whose support we would not be able to accomplish our mission. And we remain committed to being our Nation’s Expeditionary Force in Readiness that sets the standard for honor, discipline, and courage. I am proud of each and every one of you. Happy Birthday, Marines!
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Filed under: iMBA, Inc. | 2 Comments »
Turning Data into Intelligence
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, urls and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Contact: MarcinkoAdvisors@msn.com
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, I.T, business and policy management ecosystem.
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Filed under: iMBA, Inc. | 1 Comment »
NON-CONSENSUAL AMOROUS RELATIONSHIPS DEFINED
By Vicki L. Buba JD
By Dr. David Edward Marcinko MBA CMP™
http://www.CertifiedMedicalPlanner.org
An “Amorous Relationship” is defined as a consensual romantic, sexual or dating relationship. This definition excludes marital unions. The term also encompasses those relationships in which amorous or romantic feelings exist without physical intimacy and which, when acted upon by the faculty or staff member, exceed the reasonable boundaries of what a person of ordinary sensibilities would believe to be a collegial or professional relationship. The faculty/student and supervisor/employee relationship should not be jeopardized by question of favoritism or fairness in professional judgment.
Furthermore, whether the consent by a student or employee in such relationship is indeed voluntary is suspect due to the imbalance of power and authority between the parties. All members of the healthcare entity should be aware that initial consent to a romantic relationship does not preclude the potential for charges of conflict of interest, or for charges of sexual harassment arising from the conflict of interest, particularly when students and employees not involved in the relationship claim they have been disadvantaged by the relationship. A faculty, staff member or graduate assistant who enters into an “Amorous Relationship” with a student under his or her supervision, or a supervisor who enters into an “Amorous Relationship” with an employee under his or her supervision, must realize that if a charge of sexual harassment is subsequently lodged, it will be exceedingly difficult to prove blamelessness on grounds of mutual consent. This policy is superseded by the laws governing inability to consent based on age.
HANDLING ROMANTIC PATIENT ADVANCES
While physicians vary in their approaches to managing flirtatious patients, many agree that nipping the behavior in the bud is critical to maintaining professionalism and upholding ethical standards. “It’s flattering to have a flirtatious patient,” said Dr. William P. Scherer MS, Professor of Radiology at the Barry University School of Medicine, Boca Raton, Florida. “But, we have an obligation to protect the integrity of our medical profession, and to our marital contracts and spousal relationships and family, and to act professionally at all times” [personal communication].
Dr. Scherer finds it helpful to put some professional distance between himself and a flirtatious patient. “I have no problem saying to a patient: I appreciate what interests you may have, but I have to draw the line to take proper professional care of you, instead.”
And a good way to derails flirtatious behavior from patients is by deflecting their unwelcome comments. “And, you can’t act sheepish about it.” When a patient’s remark crosses the line from complimentary to something uncomfortable, the doctor may either curtly laugh it off or ignore it. “I don’t acknowledge the statement and immediately move the conversation into something clinical in order to put the rest of the visit in a serious tone.”
On the other hand, Dr. Barbara S. Schlefman MS, a fitness trainer and retired podiatrist, instructed her nurses to have another staffer accompany them into an examination room when a patient is known for being flirtatious was waiting to be seen; and to leave the door open [personal communication].
Likewise, other physicians use a “more is merrier” approach for themselves and their staff as a defense against flirtatious behavior. This is a problem that can be avoided by having physicians never see patients alone. So, as Dr. Schlefman advised, be sure to always a nurse or medical assistant in the room with the physician, even if you have to see somebody in the office on call after hours. And, be sure to have a call schedule for the nursing and medical assistant staff that includes patients of both genders, regardless of physician gender, since flirtatious behavior can be same-sex flirtatious behavior. Fortunately, adjunct or visiting clinical professors, or doctors on a medical school clinical teaching staff, rarely have patient encounters without a medical student, intern, resident fellow or nurse in the room during examinations.
Recognize the Signs
While it’s important that physicians don’t act on a flirtatious patient’s advances, it’s equally critical to recognize subtle flirtatious signs from a patient; according to Donna Petrozzello MD, an otolaryngologist at the California Sinus Centers.
A patient that maintains unusually long eye contact with their doctor, or engages in talk not related to their visit, or makes a habit of touching the physicians when not medically necessary may be flirting. Additionally, doctors can protect themselves when performing some common procedures that put the physician in close proximity to a patient’s face, breasts, genitals, legs and even feet. That closeness could turn a clinical exam into a flirtatious event. Wearing a mask to perform each of these local or regional examinations is not only for the purposes of infection control but gives the added benefit of establishing some personal space and protection, to avoid any potential misunderstanding. For example, auscultating lungs through a shirt, not underneath, is a good idea with this type of exam on a young woman patient.
[Two icons of romantic relationships]
Filed under: Career Development, Ethics, iMBA, Inc. | Tagged: CMP™ Course, CONSENSUAL AMOROUS RELATIONSHIPS IN MEDICINE, David E. Marcinko, HANDLING ROMANTIC PATIENT ADVANCES | 6 Comments »
Determining Risk Tolerance
By Rick Kahler CFP®
If you are new to investing, or if you aren’t sure how much risk you are taking in your current portfolio, it may be helpful to spend a little time to determine your risk tolerance.
A good place to start is by taking a few risk tolerance surveys. A variety of free assessments are available online; three examples are at Vanguard, Schwab, and Morningstar.
Examples:
I like surveys that express your risk in terms of downside volatility, or how much loss you could tolerate. Most will express the downside in terms of how far your portfolio would have to go down over a 12-month period before you would jump out.
Unless you only look at your portfolio once a year (which I highly recommend), you most likely won’t tend to think of a decline in your investments as being over a 12-month period. Because we all “anchor” on the highest value, it’s more typical to compare a portfolio’s peak value to its lowest point. You may want to ask yourself how far would the markets need to drop from their highs before you would want to get out “before it’s all gone.” It’s important to understand that the peak to trough drop will usually be much higher than the annual drop. For example, in 2008-2009 the peak to bottom drop in some portfolios was 40% when the 12-month drop was closer to 20%.
What is the right number for you?
So, as the Sleep Number bed commercials ask, what is the right number for you?
If your 12-month tolerance is a 15% drop, you will need to be in a very conservative portfolio, perhaps something like an allocation of 25% in equities and 75% in fixed income investments like bonds. If your tolerance is 25%, a 50/50 allocation may fit. For a tolerance of 35%, maybe a 75/25 allocation will be comfortable.
Don’t take these numbers as gospel. There are many, many variables that will determine what is right for you. I use these simply to give you a context that the less of a drop you can stomach in your portfolio before selling out, the lower your allocation needs to be to equities and the higher your allocation needs to be to fixed income.
If your answer to the question of how much risk you are taking in your investment portfolio is, “I have no clue,” now is the perfect time to get a clue. Why? We are in the ninth year of a bull market in stocks, the third longest in history. Also, 22 out of 23 of the last bear markets bottomed in the first two years of the Presidential cycle.
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If you find yourself taking too much risk in your portfolio, lighten up on equities and increase your allocation to bonds. Lightening up doesn’t mean selling out of equities. It may mean shifting a 70/30 allocation to a 60/40 or a 50/50. Maybe it means adding some asset classes or investment strategies that do well when stocks drop. Sometimes a slight tweak can do a great deal to keep you in the market when the economy looks to be in a death spiral.
The time to do that tweaking is before the stock market crashes (goes into a bear market), not after. As the six months from September 2008 to February 2009 reminded us, bear markets develop very quickly.
Assessment
The important thing is to take action today to become aware of the risk that is in your portfolio and assess whether you need to make a change.
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, urls and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements.
Contact: MarcinkoAdvisors@msn.com
Subscribe: MEDICAL EXECUTIVE POST for curated news, essays, opinions and analysis from the public health, economics, finance, marketing, I.T, business and policy management ecosystem.
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Filed under: iMBA, Inc., Investing | Tagged: investing risk, Rick Kahler MS CFP®, risk tolernance | 1 Comment »
By Professor David E. Marcinko MBBS DPM MBA MEd CMP®
Institute of Medical Business Advisors, Inc.
www.CertifiedMedicalPlanner.org
My History
More than 15 years ago I crafted a comprehensive holistic financial plan for a young doctor colleague who was born in 1959. In fact, he was not even a medical student at the time; so “canned off-the-shelf plans”, computer generated software or generic spread sheets were not a viable creation option. It was all a granular, detailed, specific and cognitive work-product. Today, he is a board-certified internist.
So, in 2017, it is right and just to take a look back and see how well, or poorly, we’ve fared.
Now, I appreciate more than most how financial planning is a “process”; and not an isolated event. Yet, all sorts of “advisors” and “consultants” create and charge hefty fees for same, and on-going monitoring, every day.
The ME-P Challenge
Nevertheless, I challenge all you mid-career or senior financial planners /advisors to this competition; regardless of degree, certification or designation.
“Show me your financial plan” – AND – “I’ll show you my financial plan”
Here Comes the Judge
Then, our community of ME-P readers, subscribers, visitors and “judges” will decide the winner.
The contest is open to any financial advisor, planner, consultant, wealth manager, CFP®, CFA, insurance agent, CPA or CLU, ChFC, or stock-broker, etc., who is not afraid of transparency in his or her work product and purported expertise.
Of Financial Certifications and Designations
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[Creating and Evaluating a physician focused financial plan]
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Assessment
So, just send in a copy of any “blinded” physician-focused financial plan that is about 15 years old. We will post for all to see and review …. warts and all … including my own; three part mega-plan!
The winner will receive bragging rights, academic swagger, and expert promotion to our entire ME-P ecosystem and network of medical, business, law and graduate school communities; as well as physicians, nurses, healthcare executives and allied health care professionals.
An informed sought-after and lucrative sector – indeed!
IOW: Free publicity and positive “new-wave” PR – PRICELESS!
Of course, as an educator and professor of health economics and finance, we are pleased to present you with the deep medical business knowledge and detailed financial,managerial and accounting techniques used, with some real-life “tips and pearls” developed over the last two decades of R&D, right here:
MORE: Comprehensive Financial Planning Strategies for Doctors …[Best Practices from Leading Consultants and Certified Medical Planners™]
MORE: Risk Management Liability Insurance, and Asset Protection Strategies for Doctors and Advisors [Best Practices from Leading Consultants and Certified Medical Planners™]
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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PART 1: My Sample Financial Plan I [Data gathering, goals and objectives]
PART 2: My Sample Financial Plan II [Data Analytics, Creation and Crafting]
PART 3: Request here: MarcinkoAdvisors@msn.com [Stress Testing and Completion]
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Filed under: iMBA, Inc. | Leave a comment »
Really!
By MIT Technology News
Growing numbers of technologists want to reinvent the Web, to counter dominance of firms like Facebook and Google. They say the tech inside digital currencies could transform the way we share data.
Our own Mike Orcutt wonders if they’re right |
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, urls and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: iMBA, Inc. | 5 Comments »
Percentage contribution amounts
By Snopes
NOTE: Not independently verified by us. Continue reading
Filed under: iMBA, Inc. | 1 Comment »
Wither the I.C.O.
| By MIT Technology Review |
| You may have heard a buzz surrounding the new fundraising tool known as an ICO, which is how many new blockchain startups are raising cash.
But for those of you who are too embarrassed to ask, let us tell you what they’re all about. |
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, urls and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: iMBA, Inc., Investing | Tagged: Bitcoin, crypto-currency, Initial Coin Offerings | 5 Comments »
Eight Data Sources from the CDC
| 1. | Chronic Disease Indicators – https://www.cdc.gov/cdi/index.html |
| 2. | Community Health Status Indicators (CHSI 2015) –http://wwwn.cdc.gov/CommunityHealth/ |
| 3. | Health Indicators Warehouse – http://www.healthindicators.gov/ |
| 4. | Interactive Atlas of Heart Disease and Stroke – http://nccd.cdc.gov/dhdspatlas/ |
| 5. | National Center for HIV/AIDS, Viral Hepatitis, STD, & TB Prevention Atlas – https://www.cdc.gov/nchhstp/atlas/index.htm |
| 6. | National Environmental Public Health Tracking Network – http://ephtracking.cdc.gov/showHome.action |
| 7. | The Social Vulnerability Index – http://svi.cdc.gov/ |
| 8. | Vulnerable Populations Footprint Tool – http://www.communitycommons.org/chna/ |
MORE: https://www.goinvo.com/vision/determinants-of-health/
Conclusion
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Filed under: iMBA, Inc. | 6 Comments »
The Challenge of Managing Member Identities
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Conclusion
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Filed under: Health Insurance, iMBA, Inc., Information Technology | Tagged: Cyber Security, EHR security, mcol.com, patient data, patient data security | 1 Comment »
WEGO Nomination 2017
By the WEGO Health Team
Dear Dr. David Edward Marcinko MBA,
Congratulations on your nominations for a WEGO health activist award.
We wanted to let you know that you’ve been nominated for the WEGO health activist award –
This nomination will appear on your nominee profile – feel free to update your personal bio if needed and share this new achievement with your family, friends, patients, students and clients community.
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Assessment
And, your ME-P readers, visitors and subscribers can view your entire profile; here.
Congratulations!
Conclusion
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Filed under: Breaking News, iMBA, Inc., Marketing & Advertising, Touring with Marcinko | Tagged: Dr. Marcinko, WEGO, WEGO Nomination for Dr. David E. Marcinko | 1 Comment »
By Ann Miller RN MHA
[Executive Director for the Institute of Medical Business Advisors, Inc]
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[Abbreviated Biography]
Distinguished Professor, Endowed Chairman and Wall Street physician executive Dr. David Edward Marcinko MBBS DPM MBA MEd BSc CPHQ® CMP® is originally from Loyola University MD, Temple University in Philadelphia and the Milton S. Hershey Medical Center in PA; Oglethorpe University, and Atlanta Hospital & Medical Center in GA; and Aachen City University Hospital, Koln-Germany. He is one of the most innovative global thought leaders in health care business and entrepreneurship today.
Dr. Marcinko is a board certified physician, surgical fellow, hospital medical staff Vice President, public and population health advocate, and Chief Executive & Education Officer with more than 400 published papers; 5,150 op-ed pieces and over 135+ domestic/international presentations to his credit; including the top 10 biggest pharmaceutical companies and financial services firms in the nation. He is also a best-selling Amazon author with 30 published text books in four languages [National Institute of Health, Library of Congress and Library of Medicine.
Dr. Marcinko is a Managerial Healthcare Accountant and past Editor-in-Chief of the respected quarterly print “Journal of Health Care Finance“, and a former Certified Financial Planner® who was named “Health Economist of the Year” in 2010, by PM magazine. He is a Federal and State court approved expert witness featured in hundreds of peer reviewed medical, business, management and trade publications [AMA, ADA, APMA, AAOS, Physicians Practice, Investment Advisor, Physician’s Money Digest and MD News]. As a licensed insurance agent, RIA and SEC registered affiliate, Dr. Marcinko is Founding Dean of the fiduciary focused CERTIFIED MEDICAL PLANNER® chartered designation education program: http://www.CertifiedMedicalPlanner.org
He is also the Editor-in-Chief of the print, and online, HEALTH DICTIONARY SERIES® WIKE project: http://www.HealthDictionarySeries.org AND co-founder of the board certification, re-certification and state licensure education, preparation & Computer Based Testing [CBT] firm, FARC, Inc: http://PodiatryPrep.org
Dr. Marcinko’s professional memberships include: ASHE, AHIMA, ACHE, ACME, ACPE, MGMA, FMMA and HIMSS. Dr. Marcinko is a MSFT Beta tester, Google Scholar, “H” Index favorite and one of LinkedIn’s “Top Cited Voices”.
Presently, Professor Marcinko is “ex-officio”, and R&D Scholar-on-Sabbatical, for iMBA, Inc. His current grant-funded book, and WIKI styled cloud sourced project-in-progress in public health economics, is: http://www.HobsonsChoiceMedicine.com
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Filed under: iMBA, Inc. | 5 Comments »
“Want a kitten? It’s free”
This is an offer I would turn down in a heartbeat. My lack of enthusiasm for cats would far outweigh my frugal appreciation of getting something for nothing.
Even the most ardent cat lover, though, would be wise to think twice before accepting a free kitten. Just as there is no such thing as a free lunch, there is absolutely no such thing as a free pet. I don’t care how “free” the initial cost of any pet is, there will be a cost to owning it. For most pets, the expense of ongoing maintenance is so substantial that the initial cost of the pet becomes insignificant.
A Story
My family once inherited a “free” pet, Sammy the Salamander. He lived the life of Riley for the next 7 years, with a continuous supply of fresh crickets, water, and mulch. At $2 a week, our total cost over his lifetime was $700. Fortunately, he passed peacefully under his rock, so there were no vet costs.
I once had a retired client, with an annual income of $60,000, who opted for medical intervention when her 12-year-old cat was diagnosed with cancer. Her vet bill for surgery and medication came to $12,000. The cat died shortly afterward, but the blow to her standard of living lasted for years while she paid off the debt. I don’t know how much, if anything, she paid for the cat originally. What I can tell you is the initial cost of the cat paled in comparison to its life-long upkeep.
Vet bills can end up to be a significant cost for any pet. According to a July 2017 survey of 1,000 pet owners by Ask.Vet, 40% of pet owners spend more than $500 a year at the vet. The site suggest one reason is that pet owners often ignore their pet’s wellness until a crisis materializes. Maybe annual physicals are as important for pets as they are for people. Of course, in this regard, many people don’t take any better care of themselves than they do of their pets.
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Survey
According to a second survey of 500 dog and/or cat owners by LendEDU, dogs cost their owners an estimated total of just over $2,000 per year while cats averaged just over $1,000. Those who owned only dogs said they would spend over $10,000 to save a dog with a life-threatening condition. Cat-only people were willing to spend about $3,500. Those with both dogs and cats would spend over $10,000 for either one.
Ironically, the Ask.Vet survey found that the highest vet bills come from the smallest pets, with a gerbil being the most expensive. Eighty percent of gerbil owners surveyed spent more than $500 a year on vet bills. Mouse owners were close behind at 79%. Rounding out the top ten were alpacas (75%), goats (72%), chinchillas (70%), sheep (67%), hedgehogs (67%), guinea pigs (64%), pot-bellied pigs (63%), and finally frogs (60%).
Frogs, really? Who would spend $500 a year on vet bills for a frog? I guess the same person that would spend $500 on a gerbil.
I was surprised that the top ten list didn’t include some of the most common pets like dogs, cats, and horses. The survey found that the five pets with the lowest vet bills, in order from top to bottom, were dogs, cats, fish, birds, and turtles.
Assessment
I think the message here is clear. Before you take on any kind of pet, consider whether you can afford the care it will need. And if someone offers you a free gerbil or a free turtle, go for the turtle.
Editor’s Note: This is the first ME-P on the topic. Continue reading
Filed under: iMBA, Inc. | Tagged: Rick Kahler MS CFP®, vet bills, veterinarian, Veterinary physicians | Leave a comment »
Enter the Singularity of A.I.
[By Vitaliy Katsenelson CFA]
Masayoshi Son doesn’t do anything small nor does he do things in a simple way.
Conclusion
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Filed under: iMBA, Inc. | Tagged: AI, Masayoshi Son, singularity, SoftBank | Leave a comment »
USA Adults in 2015
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Conclusion
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Filed under: iMBA, Inc. | Tagged: mental health, www.MCOL.com | 1 Comment »
RECOMMENDATION
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Drawing on the expertise of multi-degreed doctors, and multi-certified financial advisors, Comprehensive Financial Planning Strategies for Doctors and Advisors [Best Practices from Leading Consultants and Certified Medical Planners™] will shape the industry landscape for the next generation as the current ecosystem strives to keep pace.
Traditional generic products and sales-driven advice will yield to a new breed of deeply informed financial advisor or Certified Medical Planner™.
The profession is set to be transformed by “cognitive-disruptors” that will significantly impact the $2.8 trillion healthcare marketplace for those financial consultants serving this challenging sector. There will be winners and losers.
The text, which contains 24 chapters and champions healthcare providers while informing financial advisors, is divided into four sections compete with glossary of terms, Certified Medical Planner™ curriculum content, and related information sources.
http://www.CertifiedMedicalPlanner.org
1. For ALL medical providers and financial industry practitioners
2. For NEW medical providers and financial industry practitioners
3. For MID-CAREER medical providers and financial industry practitioners
4. For MATURE medical providers and financial industry practitioners
Using an engaging style, the book is filled with authoritative guidance and healthcare-centered discussions, providing the tools and techniques to create a personalized financial plan using professional advice.
Comprehensive coverage includes topics likes behavioral finance, modern portfolio theory, the capital asset pricing model, and arbitrage pricing theory; as well as insider insights on commercial real estate; high frequency trading platforms and robo-advisors; the Patriot and Sarbanes–Oxley Acts; hospital endowment fund management, ethical wills, giving, and legacy planning; and divorce and other special situations.
The result is a codified “must-have” book, for all health industry participants, and those seeking advice from the growing cadre of financial consultants and Certified Medical Planners™ who seek to “do well by doing good,” dispensing granular physician-centric financial advice:
Omnia pro medicus-clientis
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DR. DAVID EDWARD MARCINKO MBA CMP™
ISBN Number: 9781482240283
Number of pages: 744
Publisher: CRC Press
AWARDS
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Filed under: "Advisors Only", "Doctors Only", Book Reviews, Financial Planning, iMBA, Inc., Insurance Matters, Investing | Tagged: certified medical planner, CMP™ Class, David E. Marcinko, Financial Planning Strategies for Doctors and Advisors | 1 Comment »
For Medicare
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Conclusion
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Filed under: iMBA, Inc. | Tagged: Hospital Re-Admissions Trends, mcol.com, medicare | Leave a comment »
Why Aren’t Google and Apple Saving Healthcare?
By Bertalan Meskó, MD PhD
The introduction of artificial intelligence, robotics, social media, various sensors and wearables in medicine could save millions of lives and reduce costs at the same time.
There is one question, however, which needs to be answered. Who can and should provide these new technologies for the advancement of humanity?
Tech companies could change healthcare with their knowledge about disruption and could lead the way to medical innovation.
Why isn’t that happening already?
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Conclusion
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Filed under: iMBA, Inc. | Tagged: Apple, Bertalan Meskó, google, Why Aren’t Google And Apple Saving Healthcare | 11 Comments »
2015 … Really?
By Darrell K. Pruitt DDS
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“By 2015, health care is scheduled to be chartless. The federal National Health Information Infrastructure (NHII) is already formulating the parameters for this future. Chartless records are not a choice. The year 2015 is less than seven years away. We have seen hospitals, physicians’ offices, and other health-care providers moving in this direction.
In dentistry, only about 25% of practices are using computers chairside and only 1% is chartless. The American Dental Association is taking a proactive role in NHII. Individual dentists must also take part in the coming changes or once again be victims to others’ choices.”
-Patti DiGangi, RDH, BS
[Dental Economics, 2009]
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Conclusion
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Filed under: iMBA, Inc. | Tagged: ADA Department of Dental Informatics, eDRs, electronic dental records, EMRs | Leave a comment »
The computers are now ruling Wall Street
By MIT Technology Review
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Over the past five years, human hedge fund managers have averaged 4.3 percent returns.
Funds that rely on algorithms to pick stocks, on the other hand—so-called quant-focused funds—have brought in 5.1 percent
Assessment: So, what gives?
More: The Massacre of Hedge Fund Business
Conclusion
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Filed under: iMBA, Inc. | Tagged: MIT, quant-focused, robo advisors, Wall Street, wall street computers | Leave a comment »
But don’t let that distract you!
[By MIT Technology Review]
Even as it and other cryptocurrencies skyrocket in price, their potential for remaking the world of finance lies outside their dollar value.
An interesting piece in The Information lays out how blockchain, the technology that underpins cryptocurrencies, will change the world of equity trading (paywall).
But even that is just the beginning—the speakers at our Business of Blockchain conference last month got into the topic in great detail.
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You can check out all of the videos here |
| Understanding Currencies & Bitcoins |
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Filed under: iMBA, Inc. | 4 Comments »
On Value Investing
By Michael at: https://valuestockgeek.com
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Conclusion
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Filed under: iMBA, Inc. | Leave a comment »
Use Discounted Cash Flow Analysis
By Michael at: https://valuestockgeek.com
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Conclusion
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Beware Debt – and REMEMBER!
By Michael at: https://valuestockgeek.com
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Conclusion
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On Politics and Money
By Michael at: https://valuestockgeek.com
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Conclusion
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About the Website: USAFACTS.com
By Staff Reporters
USAFacts is a new data-driven portrait of the American population, our government’s finances, and government’s impact on society. They are a non-partisan, not-for-profit civic initiative and have no political agenda or commercial motive. They provide this information as a free public service and are committed to maintaining and expanding it in the future.
USA FACTS rely exclusively on publicly available government data sources. They don’t make judgments or prescribe specific policies. Whether government money is spent wisely or not, whether our quality of life is improving or getting worse – that’s for you to decide. They hope to spur serious, reasoned, and informed debate on the purpose and functions of government. Such debate is vital to our democracy. They hope that USAFacts will make a modest contribution toward building consensus and finding solutions.
More
There’s more to USAFacts than their website. They also offer an annual report, a summary report, and a “10-K” modeled on the document public companies submit annually to the SEC for transparency and accountability to their investors.
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USAFacts was inspired by a conversation Steve Ballmer [former CEO Microsoft Corporation] had with his wife, Connie. She wanted him to get more involved in philanthropic work. He thought it made sense to first find out what government does with the money it raises.
Assessment
Where does the money come from and where is it spent? Whom does it serve? And most importantly, what are the outcomes?
Visit: http://www.USAFACTS.com
Conclusion
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Filed under: Experts Invited, Funding Basics, iMBA, Inc. | Tagged: microsoft, MSFT, Steve Ballmer, www.USAFACTS.com | Leave a comment »
Ten Fascinating Things
By MIT Technology Review
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*** Conclusion Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure. Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: Experts Invited, iMBA, Inc. | Tagged: MIT Technology Review | 1 Comment »
“Your reality is not my reality”
By Rick Kahler CFP®
As a young girl my daughter once told me, “Dad, your reality is not my reality.” While at the time I thought it was a cute quip, many years later I am still learning the depth of truth it contains.
One recent reminder is a study published in the Journal of Economic Literature by Russell Golman, David Hagmann, and George Loewenstein of Carnegie Mellon University. Their research found that “information avoidance” is one of the leading reasons people often have widely varying views of what seem like inarguable facts.
Take the issue of well-being, which includes our financial, physical, and emotional health. There is no lack of pertinent data, research, and information available to us that could enhance our well-being. Almost anything we would want to know about making sound financial decisions, maximizing our physical health, improving our relationships, and living a fulfilled life is available with a Google search.
Interrogatory?
Why, then, would 75% of Americans have to borrow or sell something to raise $1,000 cash? Why are two-thirds of Americans overweight? Why do millions suffer from depression?
According to a March 10, 2017, article at ScienceDaily.com about the Carnegie Mellon study, people make use of very little of the information available to them. In fact, we deliberately avoid information that would enhance our well-being. Why? Because we perceive that information which conflicts with our beliefs or perception of reality will actually threaten what happiness and well-being we perceive we have. It’s reminiscent of the line, “Please don’t confuse me with the facts.”
Loewenstein maintains that if we view things logically,
“. . . people should seek out information that will aid in decision making, should never actively avoid information, and should dispassionately update their views when they encounter new valid information. But people often avoid information that could help them to make better decisions if they think the information might be painful to receive.”
Example:
For example, take one component of financial well-being, becoming financially independent by age 65. If people want to believe they are on track to accomplish this, but fear having to make restrictive and painful adjustments to their current lifestyle if they are not, they may be reluctant to even contact a financial professional to find out the true state of their finances. Instead, we will often grasp at questionable beliefs like, “I will just continue to work in retirement,” even though the evidence shows that only 21% of people are able to work after age 65.
Even when some people find information that conflicts with their tightly held beliefs, they often ignore the information by discounting the source or motivations. “You can’t believe everything you read,” is a common way we discount conflicting information.
Information avoidance can not only harm our individual well-being, it also plays a part in harming our societal well-being. Says Hagmann, “An implication of information avoidance is that we do not engage effectively with those who disagree with us.” Avoiding both people and information that don’t align with our biases is one driver of the political polarization currently splitting the U.S.
He goes on to say, “Bombarding people with information that challenges their cherished beliefs—the usual strategy that people employ in attempts at persuasion—is more likely to engender defensive avoidance than receptive processing.”
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Assessment
My years of experience with clients certainly supports the futility of trying to help people change their financial behavior by telling them what they “should” know or do. Instead, it is far more useful to listen to their beliefs, fears, and goals, and to suggest options and offer encouragement to help them discover their own paths toward financial well-being.
Conclusion
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Filed under: iMBA, Inc. | Tagged: Carnegie Mellon University, David Hagmann, George Loewenstein, information avoidance, Journal of Economic Literature, Rick Kahler CFP®, Russell Golman | Leave a comment »
Communication Plan Improvements
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Conclusion
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Filed under: iMBA, Inc. | Tagged: health plan communications, Health plan member engagement, www.MCOL.com | Leave a comment »
RECOMMENDATION
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It is not uncommon for practicing physicians to have more than a dozen separate insurance policies to protect their medical practice and personal assets. Yet, most doctors understand very little about their policies.
The book RISK MANAGEMENT, LIABILITY INSURANCE AND ASSET PROTECTION STRATEGIES for DOCTORS and ADVISORS [Best Practices from Leading Consultants and Certified Medical Planners™] explains to physicians and insurance professionals the background, theory, and practicalities of medical risk management, asset protection methods, and insurance planning.
The text presents information in a manner that is convenient and highly useful for busy medical practitioners. It discusses the medical records revolution and addresses concerns regarding cloud computing, data security, and technological threats.
The book covers modern health law and policy, including fraud and abuse, workplace-violence, Medicare compliance, HIPAA regulations, AR protection strategies with internal controls, P4P and value based care, insurance and reputation management, and how the ARA legislation is impacting physician practices.
It also includes case models and examples that provide you with a real-world understanding of how to recognize and reduce personal and medical practice risks.
With time at a premium for all, and so much information packed into one well-organized resource, this book is a must-read for every physician and financial advisor that serves the health care sector. The book will help physicians make better decisions about the risks they face and will help financial advisors improve the value they provide to their clients who are doctors.
http://www.CertifiedMedicalPlanner.org
DR. DAVID EDWARD MARCINKO MBS CMP®
ISBN Number: 9781498725989
Number of pages: 748
Publisher: CRC Press
Published: 2018
Dr. Boyd MD PhD MA for Dr. Marcinko
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Risk Management Liability Insurance and Asset Protection Strategies for Doctors and Advisors
AWARDS
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Filed under: "Advisors Only", "Doctors Only", Book Reviews, CMP Program, iMBA, Inc., Risk Management | Tagged: certified medical planner, CMP™ Class, Marcinko, Risk Management Liability Insurance and Asset Protection Strategies for Doctors and Advisors | 3 Comments »
Stabilization, not stagnation [Expect modest returns]
By The Vanguard Group
2017 Economic and market outlook
We’ve seen only a modest global recovery—at times frustratingly fragile—since the global financial crisis.
In the United States, for example, the economy has grown at an average annual rate of about 2.00%, whereas growth since 1950 has averaged an annual rate of 3.25%. Based on market and economic conditions, our outlook for the equity and fixed income markets is the most guarded it has been in ten years.
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Conclusion
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Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: iMBA, Inc. | Tagged: 2017 outlook for the equity markets, 2017 outlook for the fixed income markets, Vanguard Group | 2 Comments »
Most young people say gov’t should pay for health care
[By Staff reporters]
Most young Americans want any health care overhaul under President Donald Trump to look a lot like the Affordable Care Act signed into law by his predecessor, President Barack Obama.
But there’s one big exception: A majority of young Americans dislike the “Obamacare” requirement that all Americans buy insurance or pay a fine.
In fact, a GenForward poll says a majority of people ages 18 to 30 think the federal government should be responsible for making sure Americans have health insurance. It suggests most young Americans won’t be content with a law offering “access” to coverage, as Trump and Republicans in Congress proposed in doomed legislation they dropped on March 24. The Trump administration is talking this week of somehow reviving the legislation.
NOTE: Conducted Feb. 16 through March 6, before the collapse of the GOP bill, the poll shows that 63 percent of young Americans approve of the Obama-era health care law. It did not measure reactions to the Republican proposal.
Do you agree?
VOTE NOW!
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Filed under: Health Insurance, iMBA, Inc., Voting Polls | Tagged: ACA, GenForward, Should the Government Pay for Health Care? | Leave a comment »
ORIGINAL RESEACH PUBLICATION SUBMISSION
[Medical Practice as a New Asset Class?]
By Ann Miller RN MHA
Academics and the financial services industry uses Modern Portfolio Theory [MPT] and the Capital Asset Pricing-Model [CAP-M] to make optimal investment allocations of different ‘asset’ classes to achieve a well balanced portfolio; according to some defined risk tolerance level or efficient frontier.
Assets
Equities, fixed income, real-estate, emerging markets, etc., are all asset classes into which investors, mutual, hedge fund or portfolio managers allocate capital. It is quite proper for them to do this as they seek to balance risk and potential returns.
And so, by creating a “new” asset class [medical practice], this concept opens the door to significant capital flows, advisory and management fees; if securitized-OR- at least help dampen portfolio risk for the individual physician executive investor.
Example:
As an example of this emerging new thought leadership, some consider Social Security income an alternate asset class; while others like Paul Merriman [from a [Seattle-based investment advisory firm and Western Washington University’s School of Business and Economics] suggest that it is not an asset class at all. The idea is fundamentally flawed and should not be a part of anyone’s portfolio.
Why? As classically defined, a financial asset is something that can be sold. Since Social Security cannot be sold, it has a market value of zero.
Assessment
However, in as much as a medical practice can be sold, the definition of “asset class” appears corroborated. Thus, the proper valuation and income stream determination for this ‘new” asset class becomes paramount for investment portfolio inclusion.
PROGRESS: Un-gated white paper work-in-progress.
FREE WHITE PAPER [Is Medical Practice a New Asset Class?] from iMBA, Inc.
SUBMISSION: To the Journal of Health Care Finance: Editorial team: J. Cawley, M. Chalkley, M.E. Chernew, D. Cutler, M. Lindeboom and E. Meara, N. Elsevier, NY
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
Full Disclosure: I was interim editor of the Journal of Health Care Finance during the sabbatical of Founding Editor-in-Chief, James Unland PhD, about a decade ago.
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Filed under: iMBA, Inc., Investing, Research & Development, Touring with Marcinko | 1 Comment »
On the Life of “Dick” Wagner
By Rick Kahler CFP®
The financial planning profession lost one of its most significant figures this past week. Richard Wagner, my friend and mentor, died suddenly.
Dick, a longtime financial planner in Colorado, was one of the pioneers and thought leaders of personal financial planning. His visionary leadership and commentary were closely followed and highly respected by financial planners worldwide.
Dick’s influence on financial planning was profound. He was one of the early leaders to understand the emotional impact that money has on our lives and to believe that financial planning must include that emotional component in order to fully serve clients’ needs. We each have an individual relationship with money, which affects everyone in all facets of our lives. For this reason, Dick called money “the most powerful and pervasive secular force on the planet.”
He served as the President of the Institute of Certified Financial Planners and received the Financial Planning Association’s (FPA) highest honor, the P. Kemp Fain, Jr. He was a co-founder of the Nazrudin Project, a leaderless brain trust of 100 of the more forward-thinking planners, therapists, and coaches in financial planning. From this group emerged many FPA presidents, as well as scores of influential books and white papers. For its size, Nazrudin has had a disproportionate and continuing impact on the financial planning profession.
Dick also served on the founding board of the Financial Therapy Association. His keynote address at the group’s first conference eloquently laid the foundation for this embryonic movement of blending psychology and financial planning.
Dick’s life work, the beloved passion he carried for decades, was to see financial planning become a profession. In fact, he envisioned financial planning as the most important 21st century profession because of its focus on money. He challenged financial planners to give their best to their clients and their profession. Even further, he urged us to build an authentic profession—one he saw as dedicated to helping people manage intangible but essential functions, maintaining a responsibility to put clients’ interest first, and serving not only individuals but humanity and the greater good. One of Dick’s last contributions to the profession was the publication of the book he labored for 20 years to write, Financial Planning 3.0.
Anyone who knew Dick for more than a minute knew that he told it like it was—with gusto, clarity, and passion. He characteristically would sum up the essence of financial planning as:
“Save more, spend less, and don’t do anything stupid.”
Most importantly, I knew him as an immensely caring, passionate, wise, and conscientious soul. He was one of my valued mentors. The scope of his ideas and the depth of his creative vision challenged me to question my assumptions and expand my own views of what my chosen profession could become.
I had the privilege of spending many weekends with Dick as a member of a small group of financial planning pioneers who were trying to make sense of this union of emotions and money. I often equated listening to Dick’s visions of “what could be” to flying a commercial airliner at 45,000 feet. While he was soaring, I would spend most of my time trying to figure out if and where we could land the plane.
Wherever he may be now, I believe Dick is still soaring—once again, far higher and farther than those of us left behind. His passing leaves me shocked and saddened, with a sense of grief not yet eased by the gratitude I feel for having known him. The financial planning profession to which he devoted so much of his life was vastly enriched by his ideas and his work.
Publisher’s Note:
Although I never personally met Dick, I do consider him a friend and colleague. We emailed and spoke on the phone, often. In fact, he contributed to the first edition of our book: Financial Planning Handbook For Physicians And Advisors; now in it’s fourth iteration: Comprehensive Financial Planning Strategies for Doctors …
Rest in peace my friend. Robert Pine said it well when he noted,
“What we have done for ourselves is soon forgotten but what we have done for others remains and is immortal.”
-Dr. David Marcinko MBA
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: Financial Planning, iMBA, Inc., Op-Editorials | Tagged: financial planning association, financial planning for doctors, Nazrudin project, Richard Wagner, Rick Kahler MS CFP® | Leave a comment »
“What’s wrong with income inequality?”
By Rick Kahler MS CFP®,
Do you think there’s nothing emotional about money?
If so, I dare you to stand up in a town hall meeting anywhere in the US and ask, “What’s wrong with income inequality?” There is a high probability that the responses that follow may have some emotion.
Emotional
Make no mistake, money is highly emotional. That emotion isn’t about the inanimate object, the pieces of printed paper that we carry in our wallets. It’s what we project onto money that makes it intensely emotional. And usually what we project isn’t about the money at all.
Consider, for example, envy and jealousy. On the surface, these emotions seem to signify we are not grateful for what we have and that the cure is to focus on what we do have. There’s an element of truth to that, but telling yourself to stop being jealous and instead be grateful probably doesn’t work for long. If you are like most of us, the jealousy is soon back.
The reason is that envy and jealousy are not about what we have, but rather about what we don’t have or we fear losing. Underneath envy is fear that I won’t get something I desire which is enjoyed by another. Suppose I am envious of a friend who lives in a bigger house. Underlying that is fear, perhaps a fear that I am failing my family by not providing enough space for them to live comfortably.
Underneath jealousy is also fear, but this fear is often masked by anger that someone else is getting something that is rightfully yours. I may be jealous of a coworker because they got a job promotion that I felt I deserved. Underlying my resentment of my coworker’s success is fear that my contributions to the company are not valued and that my job isn’t secure.
Similarly, I may feel jealous of someone who earns much more than I do. I may be resentful that they enjoy privileges, a lifestyle, or security that I rightfully deserve. Or I may believe that the money they have accumulated was wrongfully taken from others and that if they continue to accumulate wealth, mine may be next. I may fear for my very survival.
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The “one-percenters”
Such fears may drive a good portion of the anger toward the so-called “one-percenters.” If my physical and emotional needs are satisfied and I am happy with my life, do I care if someone else has more? Probably not.
But if my physical needs are not met, I am unhappy, and I feel that the money I am entitled to has been taken from me by those that have money, I care a lot. In fact, I can be rage-ful and jealous.
According to a January 17. 2017 article by Amanda Hirsh at unstuck.com, envy and jealousy can be a gift, a trailhead of sorts that can lead us to an unconscious fear. Once we uncover the fear we can often take concrete steps to resolve it, rather than wasting precious energy being stuck in anger and rage toward others.
Hirsh suggests that, the next time you feel yourself becoming envious or jealous, you consider it an opportunity to ask yourself three questions:
Assessment
These are not easy questions to answer. It may be best not to consider them when you are already triggered and consumed by the emotion, but to wait until you are calmer and in a more reflective place. Then the answers may help you move past the jealousy and shift your focus to your own options.
Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: iMBA, Inc. | Tagged: Income Inequality, money emotions, Rick Kahler CFP® | Leave a comment »
Crowd Sourcing My Job Search – An Academic Social Media Experiment?
Dr. David Edward Marcinko MBBS DPM MBA MEd BSc CMP®
Any New Year typically brings to mind the passage of Father Time.
And, as a former endowed chairman and distinguished Business School professor of capitalism, health economics, policy and management; it’s hard to believe that I’ll be finishing up my current visiting scholar-on-sabbatical tenure after this Spring semester.
So, I am crowd-sourcing my next university job search as an emerging trend. It’s the career development equivalent of my just launched WIKI health dictionary project.
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Filed under: Breaking News, Career Development, iMBA, Inc., Touring with Marcinko | Tagged: David Edward Marcinko, health dictionary series | 1 Comment »
About MentorHealth
MentorHealth, the sponsor of this webinar, is a comprehensive training source for healthcare professionals that is high on value, but not on cost. MentorHealth is the right training solution for physicians and healthcare professionals. With MentorHealth webinars, doctors can make the best use of time, talent and treasure to benefit their continuing professional education needs.
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Overview: Within the medical practice, clinic, hospital or university setting, faculty and supervisors exercise significant power and authority over others. Therefore, primary responsibility for maintaining high standards of conduct resides especially with those in faculty and supervisor positions. Members of the medical faculty and staff, including graduate assistants, are prohibited from having “Amorous Relationships” with students over whom they have “Supervisory Responsibilities.” “Supervisory Responsibilities” are defined as teaching, evaluating, tutoring, advocating, counseling and/or advising duties performed currently and directly, whether within or outside the office, clinic or hospital setting by a faculty, staff member or graduate assistant, with respect to a medical, nursing or healthcare professional student. Such responsibilities include the administration, provision or supervision of all academic, co-curricular or extra- curricular services and activities, opportunities, awards or benefits offered by or through the health entity or its personnel in their official capacity.
Employees are prohibited from having “Amorous Relationships” with employees whom they supervise, evaluate or in any other way directly affect the terms and conditions of the others’ employment, even in cases where there is, or appears to be, mutual consent.
Date : Monday, March 13, 2017 10:00 AM PST | 01:00 PM EST
Duration : 60 Minutes
Price : $139.00
Areas Covered in the Session:
Who Will Benefit:
SIGN-UP HERE
REGISTRATION
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WEBINAR NOTE: These are online interactive training courses using which, professionals from any part of the world have the opportunity to listen to and converse with some of the best-known experts in the HR Industry. These are offered in live & recorded format for single & multiple users (corporate plans ). Under recorded format each user gets unlimited access for six months. Corporate plans give you the best return on your investment as we do not have upper limit on the number of participants who can take part in webinar.
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Filed under: iMBA, Inc., Risk Management, Touring with Marcinko, Videos | Tagged: Amorous Relationships Relationships, david marcinko, MentorHealth, Romantic Patient Advances, Sexual Harassment Issues | Leave a comment »
By Uneasy Money – a repost
Recently Brad DeLong expounded on the extent to which the earnings that accrue to individuals do not correspond to the contributions total output that can be ascribed to the personal efforts of tho…
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Conclusion
Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.
Speaker: If you need a moderator or speaker for an upcoming event, Dr. David E. Marcinko; MBA – Publisher-in-Chief of the Medical Executive-Post – is available for seminar or speaking engagements. Contact: MarcinkoAdvisors@msn.com
OUR OTHER PRINT BOOKS AND RELATED INFORMATION SOURCES:
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Filed under: iMBA, Inc. | Tagged: Brad DeLong, Hayek, Just Because You're Rich, You Deserve to Be Rich | 1 Comment »
About MentorHealth
MentorHealth, the sponsor of this webinar, is a comprehensive training source for healthcare professionals that is high on value, but not on cost. MentorHealth is the right training solution for physicians and healthcare professionals. With MentorHealth webinars, doctors can make the best use of time, talent and treasure to benefit their continuing professional education needs.
THE MEDICAL MALPRACTICE TRIAL FROM THE DOCTOR’s POV
[From First Service – to Final Verdict and Emotional Relief]
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“Even among the sciences, medicine occupies a special position. Its practitioners come into direct and intimate contact with people in their daily lives; they are present at the critical transitional moments of existence.
For many people, they are the only contact with a world that otherwise stands at a forbidding distance. Often in pain, fearful of death, the sick have a special thirst for reassurance and vulnerability to belief.”
[Source: Paul Starr – The Social Transformation of American Medicine, Basic Books].
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When this trust is violated, whether rooted in factual substance or merely a conclusion lacking in reality, American jurisprudence offers several remedies with the core being civil litigation.
For example, we have personally witnessed a spectrum of reasons that prompts a patient to seek the counsel of an attorney. Whether it be an untoward result of treatment or surgery, an outstanding invoice being mailed to a less than happy patient who decides that the doctor did not measure up to expectations, a physician’s wife employed as the office manager charging a patient $50 to complete a medical leave authorization form, or simply a perceived lack of concern on the part of the doctor or personnel, patients can be motivated to seek redress outside the realm of the doctor’s office.
Compound any of the above scenarios with well-meaning friends and family and the proverbial prescription for litigation has been certified. Woven throughout this discourse will be suggestions that might obviate the foregoing. While it is not a panacea, nor a cure-all for medical negligence cases, we believe it to be an effective methodology for resolving those differences that see the growth of a medical malpractice lawsuit …. honest communications.
Date : Monday, February 6, 2017 10:00 AM PST | 01:00 PM EST
Duration : 60 Minutes
Price : $139.00
MORE: Malpractice Trial
Webinar Covered Topics [60-75 minutes]
Who Should Attend
Physicians, Dentists, Podiatrists, Osteopaths, Pharmacists, Nurse Practitioners, Physician Assistants, and all Clinical and Allied Healthcare Providers. Attorneys, Risk and Medical Compliance Managers, and Health Insurance Agents; etc.
Malpractice Insurance Companies, Law firms, Risk Management Consultants, Hospitals, Medical Practices, Offices and Clinics, Out Patient Treatment and representative from Ambulatory Surgical facilities; etc.
Financial advisors [FAs], Certified Financial Planners® [CFPs], Certified Medical Planners™ [CMP™], Chartered Life Underwriters [CLUs], bankers, health attorneys, and all other risk managers, insurance agents, actuaries and financial intermediaries and consultants of all stripes, degrees and general designations.
Fraternal financial services organizations like the American College of Financial Services in Bryn Mawr, PA; Certified Financial Planner Board of Standards [CFP-BOD] in Washington, DC; the College for Financial Planning [CFP] in Centennial, CO; the Financial Planning Association [FPS] and the National Association of Personal Financial Advisors as well as all US state insurance commissioner offices, etc.
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Sign-Up Here
A Medical Malpractice Trial From The Doctor’s Pov
REGISTRATION
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WEBINAR NOTE: These are online interactive training courses using which, professionals from any part of the world have the opportunity to listen to and converse with some of the best-known experts in the HR Industry. These are offered in live & recorded format for single & multiple users (corporate plans ). Under recorded format each user gets unlimited access for six months. Corporate plans give you the best return on your investment as we do not have upper limit on the number of participants who can take part in webinar.
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Filed under: Health Law & Policy, iMBA, Inc., Professional Liability, Risk Management, Videos | Tagged: david marcinko, Malpractice Trial Webinar for Doctors, MentorHealth, webinar | Leave a comment »
Sponsored Advertisement
MentorHealth, the sponsor of these ME-P webinars, is a comprehensive training source for healthcare professionals that is high on value, but not on cost. MentorHealth is the right training solution for physicians and healthcare professionals. With MentorHealth webinars, doctors can make the best use of time, talent and treasure to benefit their continuing professional education needs.
So, it is no wonder why they partnered up with the ME-P to produce these three exciting and timely Webinars, delivered by our own Publisher-in-Chief and Distinguished Professor David Edward Marcinko.
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A Medical Malpractice Trial From The Doctor’s POV
Even among the sciences, medicine occupies a special position. Its practitioners come into direct and intimate contact with people in their daily lives they are present at the critical transitional moments of existence.
For many people, they are the only contact with a world that otherwise stands at a forbidding distance. Often in pain, fearful of death, the sick have a special thirst for reassurance and vulnerability to belief. When this trust is violated, whether rooted in factual substance or merely a conclusion lacking in reality, American jurisprudence offers several remedies with the core being civil litigation.
We have personally witnessed a spectrum of reasons that prompts a patient to seek the counsel of an attorney.
Monday, February 6, 2017
10:00 AM PST | 01:00 PM EST
60 Minutes
$139.00
Medical Workplace Violence Issues
Violence in hospitals usually results from patients, and occasionally family members, who feel frustrated, vulnerable, and out of control.
Transporting patients,long waits for service,inadequate security, poor environmental design, and unrestricted movement of the public are associated with increased risk of assault in hospitals and may be significant factors in social services workplaces as well. A lack of staff training and the absence of violence prevention programming are also associated with the elevated risk of assault in hospitals.
Although anyone working in a hospital may become a victim of violence, nurses and aides who have the most direct contact with patients are at higher risk.
Wednesday, February 22, 2017
10:00 AM PST | 01:00 PM EST
60 Minutes
$139.00
Within the medical practice, clinic, hospital or university setting, faculty and supervisors exercise significant power and authority over others. Therefore, primary responsibility for maintaining high standards of conduct resides especially with those in faculty and supervisor positions. Members of the medical faculty and staff, including graduate assistants, are prohibited from having “Amorous Relationships”with students over whom they have “Supervisory Responsibilities.”
“Supervisory Responsibilities”are defined as teaching, evaluating, tutoring, advocating, counseling and/or advising duties performed currently and directly, whether within or outside the office, clinic or hospital setting by a faculty, staff member or graduate assistant, with respect to a medical, nursing or healthcare professional student.
Such responsibilities include the administration, provision or supervision of all academic, co-curricular or extra- curricular services and activities, opportunities, awards or benefits offered by or through the health entity or its personnel in their official capacity.
Monday, March 13, 2017
10:00 AM PST | 01:00 PM EST
60 Minutes
$139.00
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WEBINAR NOTE: These are online interactive training courses using which, professionals from any part of the world have the opportunity to listen to and converse with some of the best-known experts in the HR Industry. These are offered in live & recorded format for single & multiple users (corporate plans). Under recorded format each user gets unlimited access for six months. Corporate plans give you the best return on your investment as we do not have upper limit on the number of participants who can take part in webinar.
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Filed under: iMBA, Inc., Op-Editorials, Professional Liability, Risk Management, Sponsors, Touring with Marcinko, Videos | Tagged: david marcinko, Malpractice Liability, malpractice trials, medical workplace violence, MentorHealth, Sexual Harassment Issues | 1 Comment »
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The Leading Business Education Network for Doctors, Financial Advisors and Health Industry Consultants 