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  • David E. Marcinko [Editor-in-Chief]

    As a former Dean and appointed Distinguished University Professor and Endowed Department Chair, Dr. David Edward Marcinko MBA was a NYSE broker and investment banker for a decade who was respected for his unique perspectives, balanced contrarian thinking and measured judgment to influence key decision makers in strategic education, health economics, finance, investing and public policy management.

    Dr. Marcinko is originally from Loyola University MD, Temple University in Philadelphia and the Milton S. Hershey Medical Center in PA; as well as Oglethorpe University and Emory University in Georgia, the Atlanta Hospital & Medical Center; Kellogg-Keller Graduate School of Business and Management in Chicago, and the Aachen City University Hospital, Koln-Germany. He became one of the most innovative global thought leaders in medical business entrepreneurship today by leveraging and adding value with strategies to grow revenues and EBITDA while reducing non-essential expenditures and improving dated operational in-efficiencies.

    Professor David Marcinko was a board certified surgical fellow, hospital medical staff President, public and population health advocate, and Chief Executive & Education Officer with more than 425 published papers; 5,150 op-ed pieces and over 135+ domestic / international presentations to his credit; including the top ten [10] biggest drug, DME and pharmaceutical companies and financial services firms in the nation. He is also a best-selling Amazon author with 30 published academic text books in four languages [National Institute of Health, Library of Congress and Library of Medicine].

    Dr. David E. Marcinko is past Editor-in-Chief of the prestigious “Journal of Health Care Finance”, and a former Certified Financial Planner® who was named “Health Economist of the Year” in 2010. He is a Federal and State court approved expert witness featured in hundreds of peer reviewed medical, business, economics trade journals and publications [AMA, ADA, APMA, AAOS, Physicians Practice, Investment Advisor, Physician’s Money Digest and MD News] etc.

    Later, Dr. Marcinko was a vital recruited BOD member of several innovative companies like Physicians Nexus, First Global Financial Advisors and the Physician Services Group Inc; as well as mentor and coach for Deloitte-Touche and other start-up firms in Silicon Valley, CA.

    As a state licensed life, P&C and health insurance agent; and dual SEC registered investment advisor and representative, Marcinko was Founding Dean of the fiduciary and niche focused CERTIFIED MEDICAL PLANNER® chartered professional designation education program; as well as Chief Editor of the three print format HEALTH DICTIONARY SERIES® and online Wiki Project.

    Dr. David E. Marcinko’s professional memberships included: ASHE, AHIMA, ACHE, ACME, ACPE, MGMA, FMMA, FPA and HIMSS. He was a MSFT Beta tester, Google Scholar, “H” Index favorite and one of LinkedIn’s “Top Cited Voices”.

    Marcinko is “ex-officio” and R&D Scholar-on-Sabbatical for iMBA, Inc. who was recently appointed to the MedBlob® [military encrypted medical data warehouse and health information exchange] Advisory Board.



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Protect Yourself From Scammers

Trust with Caution

By Rick Kahler CFP

Early this year, dozens of expatriate Americans living in San Miguel de Allende, Mexico, found out that an employee of Monex Bank had emptied up to 158 accounts of some $40,000,000. Many of the customers lost their entire retirement savings. The employee had worked for the bank for 20 years. Apparently she had been siphoning off money from accounts for months and sending the depositors fake statements to cover the disappearing funds.

According to an article by David Welch that appeared in Bloomberg Businessweek on May 23, 2019, the banker had promised these depositors “fat returns” in investments that would be immune to the peso’s fluctuations. Such promises are common to many fraudulent schemes where investors are duped out of their money.

“Too good to be true”

In this case, the all too familiar scam of promising returns “too good to be true” was promulgated by an employee of an international bank with assets of $5.2 billion. Even more unusual is that while the bank said they would make their customers whole again, only one of the 158 had received all of his funds back at the time the Bloomberg article was published. A bank employee admitted that was a mistake and asked the depositor to send back a portion of the check.

One of the defrauded investors was quoted as saying, “Part of this is my fault. I wasn’t even remotely suspicious.”

Such trust is exactly what scammers and con artists rely on. The most important vulnerability they exploit is ignorance. We tend to think of financial predators taking advantage of the poor, the elderly, and the uneducated. To some extent, this is certainly true. But the poor have no monopoly on financial ignorance.



In order to make money from their schemes, scammers need to target people with enough money to be worth preying on. The ability to earn a lot of money and the ability to manage money wisely do not necessarily go together. The infamous Bernie Madoff, remember, cheated some wealthy and sophisticated investors out of million.

Some of the qualities that make us vulnerable to financial predators come from our own human flaws. We’d all like to believe those promises of faster, easier ways to make a lot of money or save a lot of money.

Some of our vulnerability, though, comes from our best selves. Scammers exploit our willingness to trust and even the integrity that can lead us to assume others are as honest as we are.



Taking action

Protecting yourself from financial predators requires being honest with yourself about the qualities that make you vulnerable. It also requires a willingness to take action to protect yourself, in several ways.

1. Acknowledge what you don’t know and ask for advice—from someone who has nothing to gain from whatever decision you make.

2. Educate yourself from neutral, reputable sources. There are countless websites, books, and classes to help you learn about investing and managing money.

3. Listen to your own feelings. If anything seems too good to be true, you probably know at some level that something isn’t right and the wise choice would be to say no.

4. Channel your inner skeptic. Any time someone offers you an incredible opportunity to make a lot of money, ask yourself what’s in it for them. Chances are they are working for themselves, not for you.

5. Pay attention. Read the fine print. Read account statements. Ask questions. If your queries are brushed aside, be willing to be that “difficult” customer who keeps asking.


Finally, don’t be your own worst enemy. Don’t trust blindly. Don’t assume someone else will look out for your best interests. That responsibility is always up to you.

Conclusion: Your thoughts are appreciated.

Risk Management, Liability Insurance, and Asset Protection Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™8Comprehensive Financial Planning Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™


On-Premise Software VERSUS Cloud Computing?

The Cloud Lowers the Total Cost of Ownership

[By staff reporters]




Assessment: But, what about health information technology?

Your thoughts are appreciated.


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What Happens in an Internet Minute?

Circa 2019



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What is Doxxing?

Can You Avoid It?

[By staff reporters]

Doxing (from dox, abbreviation of documents), or doxxing, is the Internet-based practice of researching and broadcasting personally identifiable information about an individual.

The methods employed to acquire this information include searching publicly available databases and social media websites (like Facebook), hacking, and social engineering.



Doxing is therefore a standard tactic of online harassment and has been used by people associated with 4chan and in the Gamergate and vaccine controversies.

The ethics of doxing by journalists, on matters that they assert are issues of public interest, is an area of much controversy. Many authors have argued that doxing in journalism blurs the line between revealing information in the interest of the public and releasing information about an individual’s private life against their wishes.

MORE: https://www.gohacking.com/what-is-doxing-and-how-it-is-done/


Conclusion: Your thoughts are appreciated.


Risk Management, Liability Insurance, and Asset Protection Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™




Dr. Marcinko Appointed to “Medblob” Advisory Board

Professor Marcinko Appointed to Medblob Advisory Board

By Richard S. Tannenbaum; MS

[Co-Founder and Chief Financial Officer]


At Medblob, we manage healthcare data for patients, providers, and research organizations. Our leadership team is from multi-disciplinary back grounds, including medicine, software and research. And, our advisors have broad experience and training in clinical medicine, insurance and healthcare information technology companies.

So, we are pleased to announce that Dr. David Edward Marcinko MBA CMP® has just been appointed to the Advisory Board of our company.

About Medblob™ 

The Challenge:

One of the biggest challenges for providers is having all of the patient’s medical information, at the point of care.

The Solution:

Medblob™ is an emerging and secure military encrypted and HIPAA compliant health information exchange and data warehouse, known as HealthFile™, that aims to have medical information available at the point-of-care so clinicians are able to make better decisions to improve their patients’ health.

The Outcome:

MedBlob™ solves a major cause of medical errors and preventable death: inaccurate or missing health information.


Member of Medblob’s Advisory Board composed of medical, legal, and financial experts assisting the management team in the company’s mission of improving public health and outcomes for patients. Medblob Advisory Board was chartered to provide advice to the executive team regarding the company’s strategy, development, market positioning, and growth trajectory. LifeBook is Medblob’s military-grade secure patient electronic health record that acts as a single source of truth health record, medical data platform, and Network as a Service (NaaS).

Board of Advisors Link: http://www.medblob.com/board-of-advisors/

More: Please contact us to get involved in the future of healthcare information technology!



Robots Used in Chinese 3D Printed Dental Implant Surgery

Robots Used in Chinese 3D Printed Dental Implant Surgery

[By Bertalan Meskó MD PhD]

Two 3D printed dental implants have been autonomously placed in the mouth of a volunteer patient by the world’s first autonomous surgical robot.

The hour-long procedure, supervised by surgeons from the Fourth Military Medical Institute took place in Xi’an, central China, and used a robot jointly developed by the hospital and the robotics department at Beijing’s Beihang University.


Robot used in Chinese 3D printed dental implant surgery


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Understanding the Next Generation of “Symptom-Checkers”?

Will SCs  become one of the killer applications in digital health?
By Ralf Jahns [Berlin, Germany]
Dear David and ME-P Readers,
Next generation of symptom checkers are entering the healthcare market with the intention to disrupt the way health services are provided. Symptoms checkers have a chance to belong to the set of killer applications within digital health market next to telehealth, e-prescription and chronic health management solutions. Market potential differs significantly country per country and could go up as high as 8 Bn EUR p.a. Payer and pharma companies must hurry up to close partnership deals as prices go up quickly.
Symptom Checkers
There are hundreds of symptom checker solutions available in the market for long. Quite a few have gone out of business or changed their business model (e.g. Medlanes) due to having started too early in a market either using B2B or B2C business models. Over the last few years a new generation of symptom checkers have been launched. These tools are building on AI for data management and a chat bot functionality for user communication. They also expanded into other service areas not only concentrating on offering expertise medical diagnostic advice, but also allowing to search for a doctor, remote HCP consultations, or shopping features for over-the-counter medicines.

Symptoms checkers have the potential to belong to the solution suite that will open up the traditional healthcare system for digital health solutions, similar to telehealth or chronic patient’s self-management services. They not only allow patients to remotely 24/7 access advice on their symptoms but are more and more used also by HCPs to support their diagnosing process.

The following list of next generation of symptom checkers shows current ranges of services, reach and business models.

  • Ada Health – a free symptom checker exclusively available as a mobile app. The app provides symptom advice for more than 6,000 diseases. The ADA app has 6 million users and 10 million assessments completed, it’s available in 5 languages and ranked as #1 medical app in over 130 countries. The Berlin-based company employs 130 workers and over 40 doctors and medical editors.
  • Your.MD – symptom checker and health tracker. The app for diagnosis, partners with online medical service providers and refers its apps users to pharmacies, test centers, doctors’ offices or recommends other medical apps which are suitable for them.
  • Sensely – an app for pre-diagnosis, video doctor consultation, allows remote monitoring, links user with local medical services and self-care resources. Currently Sensely app is available by an access code from an employer/health plan.
  • Infermedica – Symptomate is a suite of web, mobile and voice apps that help patients assess their symptom when they feel sick. The solution covers 13 languages and is available in three major voice platforms: Amazon Alexa, Microsoft Cortana and Google Assistant. According to the company the audience includes mainly young adults and more than 55% of the users are aged 18 – 30. Some of the most commonly reported symptoms include headaches, back pains, mild abdominal pains and overall fatigue.
  • Ask NHS – Virtual Assistant” app (powered by Sensely). A virtual assistant named Olivia asks questions about the symptoms and suggests what the problem is. If needed, Olivia arranges a call back from a “111 nurse” to discuss the symptoms further. Patients can also search NHS approved healthcare advice, and schedule GP appointments.
  • Isabel is a similar solution to Ada or Symptomate. The end users are patients, but the company – Isabel Healthcare – also makes the APIs available to others to integrate the symptom checker into their own systems.
In general, market readiness seems to be more advanced in terms of payer and user willingness to use and pay compared to few years back. Also, symptoms checkers are now seen as tools which not only substitute or shorten HCP visits by remote, anonymous and free-of-charge health assessments, but which also enable patient activation tools for pharma companies and enhance products by tech-companies.
Research2Guidance Cost Savings Potential Opportunity For Sympoms Checkers Vary Between 0,5 BN and 8 BN Euros


Market potential is big. 400 million people especially in developing economies lack access to essential health services. The situation in developed economies is different. Shortage of doctors, especially in rural areas also exists but the problem that symptoms checkers could address is the large amount of doctor visits. In the USA alone there are around 1.3 Bn visits to GPs in a year. Japan has an even higher GP visit numbers as people tend to go 3 times more often to a doctor compared to their US counterparts.By reducing the number of HCP visits (here only GP visits are shown), symptom checkers promise to have a significant impact on healthcare costs within each country. Regardless whether 5% or 10% of GP visits will be made obsolete, the cost saving potential is enormous. In the US alone a 5% reduction would lead to annual cost savings of 8 Bn EUR! Second biggest market opportunities are in Japan with potential cost savings of 6 Bn EUR, followed by Germany and Canada (1 Bn EUR).

Not surprisingly payer organizations in western countries have started to offer symptoms checker solutions to their member base but also to HCPs. For example, Ada and German health insurer Techniker Krankenkasse(TK) are offering the symptoms checker in emergency rooms. Patients insured by TK might be asked to complete in a waiting room an assessment on Ada. Depending on the results, the patient may be redirected to a nurse or a doctor. In another trial run with a large NHS GP clinic, 14% of patients that completed an Ada assessment in the waiting room said that if they had used Ada at home, they would not have felt the need to come to see the doctor that day.”

Babylon a telehealth service also using symptoms checkers is now embedded into Samsung Health, which is available on millions of Samsung mobile devices in the UK and US, and has recently signed major partnership agreements with Tencent, Bupa and Prudential.

Companies wanting to enter the market should hurry up as development times of symptoms checkers are long and existing players are closing deals with payers and tech companies at high speed. Ada, for example, claims to have spent seven years to build up their database of symptoms and recommendations, while integrating more than 6.000 diseases linked to symptoms including 1,100 rare diseases curated by HCPs.

On the other side, payerspharmahospitals and tech companies that want to enrich their service offering with next generation of symptoms checkers are urged to start selection and further on integration process of next generation symptoms checkers as prices go up quickly and flexibility to incorporate specific change requests will go down with increasing success of symptoms checkers.

P.S. If you need any insights or quotes about the digital health, digital diabetes and / or the digital respiratory markets, please do not hesitate to contact me. I will be happy to provide you with reliable data and latest market insights.


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