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SCHWAB: Introduces Personalized Indexing

Posted on November 17, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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‘Customized portfolio and tax management for a broader spectrum of investors’

The Charles Schwab Corporation (SCHW) announced, on March 31, 2022, the upcoming launch of a new service, Schwab Personalized Indexing. Schwab touts this as a new solution that brings the power of customized portfolio and tax management to a broader spectrum of investors.

Rick Wurster, president of The Charles Schwab Corporation, stated in a press release: “Direct indexing has long been available to ultra-high net worth investors and institutions able to meet very high investment minimums. But now, thanks to technology innovations and industry developments like Schwab’s introduction of online commission-free trading, we’re able to lower the barriers to direct indexing for more investors and the advisors who serve them.” Schwab expects the new service, which is trademarked, to be available by the end of April 2022.

Key Takeaways

Charles Schwab (SCHW) is introducing Schwab Personalized Indexing, a direct indexing service for accounts as small as $100,000.
Direct indexing involves holding the individual securities in an index, allowing for greater tax management.
The service is expected to be available by the end of April 2022, and Schwab expects to add options and features over the next 12-18 months.

Key Features

Unlike an index fund, direct indexing involves direct ownership of the underlying securities in an index. Thus, it may offer a greater level of tax management for the investor. Within separately managed accounts, Schwab Personalized Indexing is based on a proprietary optimization process that includes daily monitoring of client portfolios and tax-loss harvesting technology. Each client account is to be optimized based on its current holdings and the potential capital gains taxes due on unrealized gains.

Available Strategies

Investors initially can choose among three index-based strategies that can be customized. These are a U.S. large cap strategy based on the Schwab 1000 Index, a U.S. small cap strategy based on the S&P SmallCap 600 Index, and an environmental, social, and governance (ESG) strategy based on the MSCI KLD 400 Social Index. Each strategy seeks index-like returns with enhanced after-tax benefits. Schwab expects to add more strategies and features during the next 12-18 months.

Account Minimums and Fees

Schwab Personalized Indexing initially will require an account minimum of $100,000. Schwab notes that most direct indexing offerings currently on the market start at $250,000 or higher.1

Fees start at 0.40% of assets. Schwab indicates that this is less expensive than many direct indexing programs currently available to advisors and investors.

CITE: https://pressroom.aboutschwab.com/press-releases/press-release/2022/Schwab-Introduces-Schwab-Personalized-Indexing/default.aspx

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DAILY UPDATE: Digital Dollars with Stock Market Boost

Posted on November 16, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

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Some of the biggest players in the financial industry are launching a digital dollar pilot program while the crypto sector reels from FTX’s collapse. About a dozen global giants, including Citigroup, HSBC, Mastercard and Wells Fargo, announced plans on Tuesday to test use of a digital token for 12 weeks in conjunction with the Federal Reserve Bank of New York, with the intention of examining how effective a digital currency is in speeding up payments.

U.S. equities posted gains following the release of a softer-than-expected read on wholesale price inflation. The report came in the wake of last week’s consumer price inflation release that continued to temper expectations regarding how aggressive the Fed could remain with its monetary policy tightening.

However, stocks finished well off the highs today, as geopolitics again flared following reports of Russian missiles crossing into NATO-member Poland, killing two individuals. The economic docket also offered the Empire Manufacturing Index, which showed that manufacturing activity in the New York region expanded, versus estimates calling for it to remain in contraction territory. Some retail heavyweights released earnings reports, as Dow members Walmart and Home Depot both beat estimates, with the former raising its guidance and authorizing a new share repurchase program, and the latter reaffirming its full-year outlook.

Treasury yields declined following the inflation data, and the U.S. dollar finished lower. Crude oil prices rose, and gold also traded to the upside.

Stocks in Asia finished mostly higher, led by mainland Chinese and Hong Kong stocks, amid moves to ease China’s COVID restrictions. European stocks were also higher for the most part as investors continued to digest recent monetary policy actions as a result of inflationary concerns.

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DAILY UPDATE: Stocks Lower on Inflation Data, BlockFi, and Our Healthcare Provider Reader Input Request

Posted on November 15, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

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U.S. equities declined in a choppy and cautious trading session as investors await a host of notable economic reports later this week. The economic docket, while empty today, will round out the inflation picture with release of the Producer Price Index (PPI), as well as the Import Price Index on Wednesday. The releases will follow last week’s cooler-than-expected Consumer Price Index (CPI), which appeared to soothe concerns about how aggressive the Fed will need to remain as FOMC Vice Chair Lael Brainard said it will “probably be appropriate soon” to slow down the pace of interest rate hikes. And Hasbro was the S&P 500’s biggest loser of the day as Bank of America downgraded the stock.

Treasury yields were mostly higher, and the U.S. dollar rose, paring some of last week’s tumble.

Crude oil prices were lower, while gold reversed to the upside following losses earlier in the day.

Equity news was light, with Tyson Foods missing on the bottom line, but reporting record sales for the year and upping its quarterly dividend.

Stocks in Asia were mixed, with Hong Kong leading the region in gains following a jump in property stocks, while European stocks ended the day mostly higher in cautious trading.

Cryptocurrency lender BlockFi just admitted it has significant exposure to Sam Bankman-Fried’s crypto exchange FTX, and associated entities, that last week filed for bankruptcy.

Finally, although it’s become more difficult to find qualified healthcare professionals, it’s proving just as difficult to retain staff, especially when working with fewer resources. At the recent HR Healthcare conference in Austin, much of the retention conversation focused on improving the quality of work life and flexibility. But we want to hear how you’re solving retention and staffing problems: Share your insights right here on the ME-P.

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DAILY UPDATE: New IRS 1099-K Reporting Rule

Posted on November 13, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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IRS

The IRS just noted that there are no changes made to the taxability of income but only in the reporting rules for Form 1099-K. Taxpayers are still required to report all income on their tax return unless it is excluded by law. This is whether they receive a Form 1099-NEC, Nonemployee Compensation; Form 1099-K; or any other information return.

Previously businesses would generally receive a 1099-K tax form only when their gross payments exceeded $20,000 for the year and the business conducted at least 200 transactions.

According to the new 1099-K rule, the gross payments threshold has been lowered to just over $600 for the year with the transactions threshold no longer applying. Now a single transaction exceeding $600 can trigger a 1099-K. This includes transactions through credit cards, debit cards, banks, PayPal, Uber, Lyft, and other third-party payment settlement entities.

The 1099-K form includes information about the payment processor and the company receiving payments, and a monthly breakdown of total payments, among other information.

According to the IRS, the lower information reporting threshold and the summary of income on Form 1099-K will make it easier for taxpayers to track the amounts received.

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MDs Must Know When it’s OK to be Average

Posted on November 13, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

Should Active Investors Expect to Lose?

By Rick Kahler MSFS CFP®

When it comes to investing, it’s a losing proposition to try and be anything better than average. Even if you are a doctor.

I was recently reminded of this important investing precept when I attended a presentation by Ken French, a noted professor of finance at Dartmouth College.

Dr. French Speaks

“The theory is institutions are smarter than ‘dumb’ individual and can add value,”

said French.

“That is simply not true.”

His research has found that institutions are no better at trying to beat the market than individual investors. When you pay someone to do better than the market, French told us,

“You should expect to lose. It’s really hard to identify the great managers. You are wasting your time and money trying to beat the market.”

If there’s no point in trying to beat the market through “active” investing, what is the best way to invest? Through “passive” investing, that accepts average market returns. You need to reduce expenses, diversify your portfolio into index funds of various asset classes, minimize taxes, and exhibit discipline.

Reduce expenses. Passive investing generally costs around 0.20% a year in fees, compared to around 1.35% for active investing.
Diversify into index funds. Simply select an index in the asset classes you want to hold. The inherent strategy of the index will determine when to buy and sell. For example, the inherent strategy of the S&P 500 is to own a fraction of the largest 500 companies in the US. Every June, those companies that fell out of the top 500 largest are sold and those that made it into the top 500 are purchased.
Minimize taxes. The limited buying and selling of passive investing tends to reduce investment-related taxes.
Exhibit discipline. Relying on the inherent strategy of an index fund puts some distance between you and buying/selling decisions, making it easier to maintain your investment discipline during market fluctuations.

You may be thinking that, if “passive” is the way to go, you might as well make things even simpler. Why not just put your retirement money in the bank and forget it? While you can certainly do that, the results may be disastrous. If you want more than just Social Security for your retirement, you need your money to grow.

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Considerations

In 1913, nine cents bought a quart of milk. In 1963, the same nine cents bought a small glass of milk. In 2015, nine cents bought seven tablespoons of milk. Clearly, putting money under the mattress doesn’t work for the long term. The culprit of the declining purchasing power of that nine cents is inflation. The moral of this story is to make sure your money grows at least as fast as inflation. That requires investing it.

Example:

It would require $13 today to equal the purchasing power that $1 provided in 1926. Had you put one dollar in the bank in 1926, you would have $21 today. Having invested the dollar in long-term bonds would give you $132. However, invested in the S&P 500 Index (stocks), you would have $5,386.

A Mix

Does that mean you should invest all of your retirement assets in stocks? If you are one year old, probably so. If you are 60 years old, probably not. For most of us, a mixture of index funds that include many asset classes—such as global stocks, global bonds, global real estate, and commodities—is the best strategy.

Assessment

Research supports the value of diversified passive investing as long-term strategy. According to a study by Dalbar, Inc., average passive investors earn 3% to 4% more annually than average active investors. Over time, that makes a huge difference.

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:

PRACTICES: www.BusinessofMedicalPractice.com
HOSPITALS: http://www.crcpress.com/product/isbn/9781466558731
CLINICS: http://www.crcpress.com/product/isbn/9781439879900
ADVISORS: www.CertifiedMedicalPlanner.org
FINANCE: Financial Planning for Physicians and Advisors
INSURANCE: Risk Management and Insurance Strategies for Physicians and Advisors
Dictionary of Health Economics and Finance
Dictionary of Health Information Technology and Security
Dictionary of Health Insurance and Managed Care

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On Elon Musk’s Twitter Purchase

Posted on November 13, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

A Guest Column by Ryan Bernier

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What the Skeptics and Naysayers Miss about Elon Musk’s Twitter Purchase

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EDITOR’S NOTE: I first Met Richard Helppie when I was in business school. He was the CEO of Superior Consultant at the time and very gracious to me with with his advice. Today he is a respected philanthropist and publisher of The Common Bridge. -David E. Marcinko

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DAILY UPDATE: Stocks Rise Adding to Big Gains

Posted on November 12, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. equities ended the day and week higher following Thursday’s trading session, which posted the largest daily gain since 2020.

Yesterday’s sharp rise came in the wake of a cooler-than-expected October consumer price inflation report, which seems to be curbing expectations regarding how aggressive the Fed could remain with its monetary policy tightening. The ongoing turmoil in the cryptocurrency markets kept sentiment in check after crypto exchange FTX.com voluntarily began Chapter 11 bankruptcy procedures.

The bond markets were closed today in observance of the Veteran’s Day holiday, giving Treasuries a breather after yesterday’s plunge, while the U.S. dollar continued its fall.

Crude oil prices were sharply higher, and gold gained modest ground. News on the equity front was focused on some tertiary earnings reports, with Toast Inc. posting a wider loss that expected, and Doximity beating on both the top and bottom lines, as well as announcing a new share repurchase program.

The lone economic report for today showed that consumer sentiment for November deteriorated more than expected. Stocks in Asia rallied following yesterday’s gains in the U.S and amid news that China will relax travel restrictions, while European stocks ended the day mixed, tempering the previous trading session’s solid gains.

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SBF: Apologizes as FTX Scrambles to Live

Posted on November 11, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Following his crypto exchange’s epic implosion, FTX boss Sam Bankman-Fried (SBF) said he was sorry for mistakes he made, and pledged to “give anything I have to” in order to raise the $4 billion in capital FTX needs to avoid bankruptcy.

As the SEC bear down on the company, shady activities are coming to light: FTX loaned its affiliated firm, Alameda Research, ~$10 billion worth of customer assets to fund high-risk bets, per the WSJ.

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DAILY UPDATE: Stock Markets KA-Boom!

Posted on November 11, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Unlike banks, the New York Stock Exchange doesn’t close on Veterans Day. Wall Street will have a full day of trading, and operate as usual on Veteran’s Day. Bond markets, which work with the federal government, will also be closed.

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U.S. stocks closed sharply higher yesterday, with all three major indexes posting their best day of gains since 2020 as investors cheered signs that U.S. inflation finally might be headed lower.

READ: https://medicalexecutivepost.com/2022/11/10/the-cpi-and-stock-markets/

For example, the Dow Jones Industrial Average shot up about 1,198 points, or 3.7%, ending near 33,712, marking its highest level since August and its best daily percentage gain since May 2020, according to Dow Jones Market Data. The S&P 500 index gained 5.5% and the NASDAQ Composite Index closed up 7.4%, their best daily percentage increases since 2020. The sharp rally on Wall Street was led by gains in technology and communication shares, segments of the S&P 500 that booked massive gains of about 8.3% and 6.3%, respectively, according to FactSet.

Buyers came out in force after the release of October’s consumer-price index showed a 7.7% annual rate of inflation, down from 9.1% this summer, while spurring hopes that the Federal Reserve might be making headway in its fight to bring inflation down to its 2% target.

That took some of the attention off the ongoing woes at crypto exchange FTX, with bitcoin down near a 2-year low. The 10-year Treasury rate also dropped to about 3.8% Thursday, down from a 4.2% high in October ahead of the three-day weekend for the U.S. bond market, which will remain closed on Friday for Veterans Day. U.S. stock exchanges, however, will remain open Friday.

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The CPI and Stock Markets

Posted on November 10, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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The consumer price index (CPI), the inflation report we dislike every month, dropped today and showed that price growth cooled off a bit in October (but is still far higher than where the FOMC wants it).

The Consumer Price Index (CPI) for October reflected a 7.7% increase over last year and 0.4% increase over the prior month, better than Wall Street expected. Economists surveyed by Bloomberg called for a 7.9% annual rise and 0.5% monthly gain.

The S&P 500 (^GSPC) rallied 5.5% — its biggest intraday gain since April 2020 — while the Dow Jones Industrial Average (^DJI) jumped 1,200 points, or 3.7%, the most since May 2020. The technology-heavy Nasdaq Composite (^IXIC) advanced a whopping 7.4%, its sharpest climb since emerging from the pandemic crash in March 2020. Meanwhile, Treasury yields tumbled following the report, with the benchmark 10-year note falling well below the 4% level.

Meanwhile, earnings season rolls on with reports from Disney, AMC, Palantir, Beyond Meat, and more.

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The Economy TODAY!

Posted on November 10, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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It’s a big day for anyone trying to read Jerome Powell today because the October consumer price index report gets released this morning.

Economists expect to see the annual inflation rate come in at 7.9%, so anything higher is likely to spark fear that the Fed could get even more aggressive with its rate hikes.

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DAILY UPDATE: Stocks Fall as Balance of Power in US Congress Uncertain

Posted on November 10, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. equities tumbled in the wake of yesterday’s U.S. midterm elections that failed to provide clarity on the political front.

U.S. stocks plummeted Wednesday after three days of gains, as investors mulled over a mixed verdict from the midterm election results and highly anticipated inflation data looms on the docket.

The S&P 500 (^GSPC) shed over 2%, while the Dow Jones Industrial Average (^DJI) fell by nearly 650 points, or roughly 2%. The technology-heavy Nasdaq Composite (^IXIC) dragged down by almost 2.5%, or 260 points.

Meanwhile, volatility in the cryptocurrency markets continued as Binance Holdings ditched its plans of acquiring FTX.com, which has experienced some liquidity issues. Earnings reports continued to trickle in, with Dow member Walt Disney Company missing Q4 expectations. In other equity news, Meta Platforms announced large-scale layoffs as the company tries to become a more leaner communication services firm.

Treasuries were mixed, and the U.S. dollar was solidly higher, while crude oil prices fell, and gold saw some pressure. Economic news was light, with mortgage applications falling for a seventh-straight week.

Asia finished mixed following some Chinese inflation data, and Europe also diverged.

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ROBINHOOD: The Brokerage Collapses?

Posted on November 9, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Shares of Robinhood, the brokerage, plummeted by 15% as FTX was acquired to save it from collapsing. Sam Bankman-Fried bought a 7.6% stake in May in Robinhood, a brokerage meant to attract Millennial investors who sought to invest in cryptocurrencies.

But Bankman-Fried, the founder of FTX, a popular cryptocurrency exchange, faced even larger hurdles that investors were not aware of.

Robinhood (HOOD) – Get Free Report shares tumbled on Nov. 8, falling by as much as 15.54% in mid-day trading to $10.22 a share as Binance, the crypto behemoth, said it would acquire FTX, which was once its rival due to a “liquidity crunch.”

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DAILY UPDATE: Stocks Rise First Trading Session of Week

Posted on November 8, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. stocks ended the day higher as the markets await some key data later this week and amid some likely caution ahead of tomorrow’s mid-term election. In the final hour of trading, the economic calendar released data on consumer credit for September, which showed that consumers borrowed less than expected. The economic docket will heat up later this week, headlined by the first read on consumer price inflation in the form of the Consumer Price Index, which will be accompanied by some commentary by Fed officials. Treasury yields rose, and the U.S. dollar saw pressure.

Crude oil prices declined, while gold nudged higher.

In equity news, Dow member Apple said iPhone shipments will be hampered by the impact of the COVID lock-downs in China, Meta Platforms is reportedly set to announce large-scale layoffs, and Dow component Walgreens Boots Alliance announced that a company it controls has agreed to acquire Summit Health-CityMD.

Asian stocks rallied, led by Hong Kong markets, while European stocks were mixed to begin the week, as the international markets continued to digest recent global monetary policy decisions.

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Meta, Apple, TSA Deflation and Mastodon

Posted on November 7, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Meta will reportedly begin to lay off thousands of employees this week in what could amount to the company’s most significant job cuts since it was founded in 2004.
Apple said that iPhone 14 production has been hamstrung by Covid restrictions at its huge assembly plant in China.
PreCheck deflation: TSA is lowering the price for its PreCheck program ahead of the holiday travel season.
Mastodon, a Twitter-esque social media site, has seen a spike in users since Musk’s takeover of the bird app.

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DAILY UPDATE: ARK Invest and Nvidia Corp.

Posted on November 7, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Last week was a rough one in the stock market, and this week could be even worse. The inflation report Thursday, and another group of earnings will give investors plenty of new information to absorb. Finally, Warren Buffett reported his company’s earnings over the weekend as Berkshire’s $109 billion cash pile has ballooned thanks to rising interest rates.

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Cathie Wood is once again offloading shares in her long-time favorite Nvidia Corp., as a slight rebound emerged ahead of the company’s earnings. Her flagship Ark Innovation ETF sold 167,914 shares on Friday, adding to a sale of 50,252 shares on Oct. 20, according to Wood’s firm Ark Investment Management LLC’s daily trading disclosures.

Meanwhile, the Ark Next Generation Internet ETF sold 24,423 Nvidia shares on Thursday. Ark’s latest sales come days ahead of Nvidia’s third-quarter earnings — scheduled for Nov. 17 — similar to the prior quarter when the funds dumped the stock before the chipmaker reported revenue forecast that was about $1 billion short of the average Wall Street estimate. The stock has rebounded 26% from a more than two-year low on Oct. 14 to $141.46. That’s above the average closing price of $131.74 in September, when ETFs controlled by ARK Investment Management LLC picked up more than 400,000 Nvidia shares throughout the month.

Still, Nvidia is down more than 50% this year as historical tightening by the Federal Reserve and global recession fears have continued to batter growth stocks.

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WEEKEND REVIEW: Stock Market Update and China COVID Policy

Posted on November 6, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Markets: Stocks closed their otherwise terrible week on a high note following another solid jobs report for October. The US economy added 261,000 jobs last month, more than expected, though the unemployment rate ticked up to 3.7%. The Fed wants to see the labor market loosen up before it’s willing to slow down its rate hikes.
Stock spotlight: Carvana, the online used car retailer that surged during the pandemic, suffered its worst day ever and closed near its all-time low. Carvana’s plunge of more than 95% this year makes it a prime example of Covid darlings that were caught flat-footed when the macroeconomic environment deteriorated and pandemic trends (like huge demand for used cars) snapped back to normal.
DraftKings stock had its worst day on record, down nearly 28%, after revealing a longer-than-expected path to profitability.

***

Is China going to loosen its Covid policies? Investors pounced on rumors this week that Beijing was thinking about relaxing its draconian Covid precautions, sending Hong Kong’s Hang Seng Index to its best week in a decade. Separately, Reuters obtained a recording of a former Chinese disease control official telling a conference that China would be making big changes to its “dynamic-zero” Covid policy.

***

ORDER: https://www.amazon.com/Dictionary-Health-Insurance-Managed-Care/dp/0826149944/ref=sr_1_4?ie=UTF8&s=books&qid=1275315485&sr=1-4

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CRYPTO.com and Celebrity Endorsements?

Posted on November 5, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

AFFINITY MARKETING!

Physicians and All Investors Beware!

By Staff Reporters

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Celebrity Matt Damon’s infamous “fortune favors the brave” Crypto.com commercial premiered one year ago today, and its timing couldn’t have been worse. Had you been inspired to buy $1,000 worth of bitcoin on that day (the token was then worth $60,608, near its peak price) you would have just ~$340 now.

Fortune isn’t exactly what’s favored Crypto.com in the year since the ad debuted. The price of bitcoin has plunged ~70%, the company reportedly slashed about 40% of its workforce this summer, and the YouTube version of the Damon commercial has been set to private.

Today, the coin has been pretty stable since mid-June, 2022 and hovering at around $20,000.

***

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****

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DAILY UPDATE: Stocks Higher Following October’s Labor Report [BLS]

Posted on November 5, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters and BLS

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U.S. equities posted a weekly loss, despite ending the day higher in a choppy trading session, following a larger-than-expected increase in non-farm payrolls for October, 2022. The choppiness came amid an increase in the unemployment rate that was also above estimates, and in the wake of FOMC Chair Powell’s comments earlier this week, in which he reiterated the central bank’s aim at cooling the robust labor market.

Earnings surprises were mostly positive, as Amgen bested expectations and upped its guidance, Starbucks also exceeded estimates despite a tumble in sales in China, and PayPal posted upbeat results and announced a collaboration with Apple, while DoorDash rose despite posting a wider-than-expected loss.

Treasury yields were mixed, and the U.S dollar erased all of yesterday’s rally, while crude oil and gold prices surged.

Overseas, Asian stocks were higher for the most part, led by a rally in the Hong Kong markets. European stocks ended the volatile week on a positive note, as the international markets continued to digest the implications of monetary policy actions from central banks all over the world.

***

FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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Two Year Treasury Yields = HIGH!

Posted on November 4, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. bond yields just rose to new cycle highs as the fallout from the Federal Reserve’s latest interest rate hike and commentary reverberated across markets. The policy-sensitive 2-year rate broke intermittently above 4.7%, shrinking its spread to the 10-year rate to as little as minus 60.9 basis points in a worrisome sign of the economic outlook. The 2-year yield finished the New York session at its highest level in more than 15 years.

What’s happening

The yield on the 2-year Treasury rose 13.1 basis points to 4.699% from 4.568% on Wednesday. Thursday’s level is the highest since July 25, 2007, based on 3 p.m. figures from Dow Jones Market Data.
The yield on the 10-year Treasury advanced 6.4 basis points to 4.123% from 4.059% as of late Wednesday. Thursday’s level is the highest since Oct. 24.
The yield on the 30-year Treasury climbed 2.9 basis points to 4.151% from 4.122% Wednesday afternoon.

***

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PODCAST: What is the “Diluted” Stock Effect?

Posted on November 4, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

WHAT IT IS – HOW IT WORKS

BY DR. DAVID E. MARCINKO MBA CMP®

SPONSOR: http://www.CertifiedMedicalPlanner.org

The lowering of the book or market value of the shares of a company’s stock as a result of more shares outstanding. A company’s initial registration may include more shares than are initially issued when the company goes public for the first time.

Later, an issue of more stock by a company (called a “primary offering,” distinguished from the “initial public offering”) dilutes the existing shares outstanding.

Also, earnings-per-share calculations are said to be “fully diluted” when all common stock equivalents (convertible securities, rights, and warrants) are included. “Fully diluted” numbers are used in analysis when there is a likelihood of conversion or exercise of rights and warrants.

CITE: https://www.r2library.com/Resource/Title/0826102549

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How does dilution affect my shares? | Startupxplore Blog

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PODCAST: https://duckduckgo.com/?q=Dilutive%22+Stock&t=newext&atb=v275-2&iax=videos&ia=videos&iai=https%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv%3DtjQzJ7GY0GY

ASSESSMENT: Your thoughts are appreciated.

Comprehensive Financial Planning Strategies for Doctors and Advisors: Best Practices from Leading Consultants and Certified Medical Planners™

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STABLECOINS: Altering the US Banking System?

Posted on November 4, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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DEFINITION: Stablecoins are cryptocurrencies where the price is designed to be pegged to a reference asset. The reference asset may be fiat money, exchange-traded commodities, or a cryptocurrency.

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

***

In fact, Stablecoins could have such a profound effect on the established banking system that U.S. regulators need to require that the digital tokens fit in without disrupting it, said Martin Gruenberg, the acting chairman of the Federal Deposit Insurance Corp. (FDIC). His remarks were delivered at a Brookings Institution event recently.

Gruenberg’s agency is among the U.S. banking watchdogs that will have significant influence over how stablecoins are regulated, and the FDIC has also had to weigh in with recent sanctions against firms – such as FTX US – that have made claims misrepresenting how FDIC deposit insurance backstops their operations. As U.S. banks have increasingly sought to offer crypto services, including maintaining custody of customer’s digital assets, Gruenberg said that his agency has been cautious about allowing regulated lenders to engage.

***

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

***

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DAILY UPDATE: Stocks Ended Lower Following FOMC Decision

Posted on November 4, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. equities extended yesterday’s sharp drop that followed the Federal Reserve’s fourth-straight 75-basis point rate hike and some hawkish comments. As a result of the Fed’s monetary policy decision, Treasury yields and the U.S. dollar climbed noticeably higher. The Fed’s rate hike was trailed by today’s announcement from the Bank of England to hike its benchmark interest rate by 75 bps, though it tried to suppress expectations of future aggressiveness of that magnitude.
The U.S. dollar’s rally came as the British pound fell, along with the euro, as the markets digested the monetary policy actions and comments.

Crude oil prices fell, and gold traded lower. In economic news, jobless claims dipped, the trade balance widened more than expected, Q3 productivity rebounded less than fore-casted and labor costs moderated more than projected. Additionally, factory orders figures were mixed, along with October reads on services sector output. Earnings season continues to roll on, with Qualcomm cutting its guidance, though eBay topped estimates and issued a positive outlook. Moreover, Booking Holdings topped expectations and Marriott decreased despite exceeding profit projections.

Asian stocks declined, though markets in Japan were closed for a holiday, and European stocks were mostly lower as the markets digested the decisions from the Fed and Bank of England.

***

***
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“I” Bonds: DOWN!

Posted on November 3, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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DEFINITION: https://www.treasurydirect.gov/savings-bonds/i-bonds/

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The rate for I bonds, an asset that’s tied to the rate of inflation, was lowered to 6.89% yesterday from its record high of 9.62%. But in the final days of the previous rate, investors hoarded I bonds like crazy.

Now, on Friday, the Treasury sold $979 million of I bonds, nearly as much as the entire amount sold in the three years from 2018 to 2020, per CNBC. The investors also crashed the website.

***

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DAILY UPDATE: Stocks Tumble Following Fed Decision

Posted on November 3, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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FOMC IRs UP: https://medicalexecutivepost.com/2022/11/02/breaking-news-the-fomc-raises-short-term-interest-rate-0-75/

***

U.S. equities finished lower with the Dow whipsawing within a more than 900-point range following the Fed’s monetary policy decision. The Central Bank raised rates by 75 basis points for a fourth-straight meeting, but opened the door to slowing within its statement. However, in his presser following the announcement, Chairman Powell reiterated that any notion of a pause was premature.

Treasury yields were mixed and the U.S. dollar traded to the upside, while crude oil prices gained ground, and gold saw a modest loss. In economic news, mortgage applications fell for a sixth-straight week even as mortgage rates snapped a string of increases, and ADP’s private sector employment report came in above estimates ahead of Friday’s key labor report.

Earnings season continued to roll on, with Advanced Micro Devices missing earnings forecasts, and CVS Health exceeding profit projections and raising its guidance. Ford Motor Company reported October sales that showed a year-over-year decline, but EV sales grew.

Asia finished mixed with mainland Chinese markets and Hong Kong continuing rallies, while Europe also diverged amid some likely trepidation ahead of the Fed decision.

***

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BREAKING NEWS: The FOMC Raises Short-Term Interest Rate 0.75%

Posted on November 2, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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The Federal Reserve jut raised its short-term borrowing rate another 0.75% to slow key areas of the economy and tame inflation, which is at a 40-year high. The central bank said its new target range is 3.75%-4%, the highest level since January 2008.

The aggressive move is the latest in a string of borrowing cost increases imposed by the Fed in recent months as it tries to slash price increases by cooling the economy and choking off demand. The approach, however, risks tipping the U.S. into a recession and putting millions out of work.

The fourth rate hike of 2022 also arrives less than a week before the midterm elections.

***

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DAILY UPDATE: Stocks Lower as Markets Look Ahead to FOMC Decision

Posted on November 2, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. equities were modestly lower, as investors awaited tomorrow’s conclusion of the Federal Open Market Committee (FOMC) meeting. The Fed is widely expected to hike the target for its fed funds rate by another 75-basis points. On the economic front, the Job Openings and Labor Turnover Survey (JOLTS) posted an unexpected rebound—indicating a still-tight labor market—which seems to be enhancing monetary policy tightening concerns. Reports on manufacturing showed that activity remained in expansion territory, while construction spending unexpectedly rose month-over-month.

In equity news, pharmaceutical companies Eli Lilly and Pfizer both topped earnings estimates, while the former lowered its full-year guidance, and the latter raised its outlook.

Treasury yields were mixed, while the U.S. dollar ended little changed in choppy action. Crude oil prices gained ground, and gold was higher.

And, Asian stocks finished to the upside amid a host of mixed economic news, and after the Reserve Bank of Australia hiked rates by 25-basis points for a second-straight meeting. European markets were mostly higher in the wake of mixed manufacturing data, and ahead of today’s decision by the FOMC.

***

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“Prime Medicine” Post IPO

Posted on November 1, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Prime Medicine (NASDAQ:PRME) opened up its shares for public trading for the first time since it filed for IPO in September 2022. The company agreed to initially offer 10.29 million shares to the public at $17.00 per share. On its first day of trading, the stock decreased 18.98% from its opening price of $18.97 to its closing price of $15.37.

READ: https://primemedicine.com/

***

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

***

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DOMESTIC STOCK MARKETS: GameStop Corp.

Posted on November 1, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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GameStop Corp. is an American video game, consumer electronics, and gaming merchandise retailer. The company is headquartered in Grapevine, Texas, and is the largest video game retailer worldwide.

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***

Stocks dipped a bit yesterday as investors wait for the FOMC’s likely move to raise interest rates by 75 basis points again on Wednesday. But it wasn’t a total fright fest on the last day of October:
The Dow closed out its best month since 1976. Meme stocks also had another moment as GameStop shares were briefly halted after spiking early in the day. The price dropped back down later—and, as usual, no one can quite explain the unease.

***

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DAILY UPDATE: Stocks Down First Trading Session of Week

Posted on November 1, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. equities ended the day in the red, failing to continue last week’s positive momentum. The moves came amid a quiet day on the economic and earnings fronts, but both are set to heat up as the week progresses.

In earnings news, Global Payments bested estimates and reaffirmed its guidance, and Emerson Electric also beat the Street, while also announcing the sale of a majority stake in its climate unit to Blackstone.

Meanwhile, a couple of reads on regional manufacturing showed activity continued to contract. Treasury yields traded higher and the U.S. dollar gained ground, continuing to rebound from a recent drop, while gold and crude oil prices were lower.

Stocks in Asia were mixed amid a slew of economic data in the region, and Europe ended higher as investors continued to digest last week’s 75 basis point rate hike by the European Central Bank.

***

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TRANSACTIONAL STOCK ANALYSIS: What it is?

Posted on October 31, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

Versus Technical Analysis

By Staff Reporters

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In traditional finance transaction data is guarded by exchanges, brokers, banks and regulators. It’s not accessible to everyone and big players pay a fortune for it.

But, in crypto, Transaction Data is public and on-chain – but it’s not usable by everyone. So, manually making sense of raw blockchain data is practically impossible. The data needs to be processed and analyzed to be made useful. That’s what sophisticated blockchain analytics tools are doing.

The combination of on-chain data and transaction analysis is something that hasn’t been before – in crypto or traditional finance. Getting access to transaction data and tools for searching and analyzing it will unlock a goldmine of potential insight.

People who have been on the inside of projects and see how the sausage is made know that the explanations for price movements are often simple and based on key players buying and selling. When the biggest holders are dumping the price is likely to go down. When a major new buyer takes a position prices are likely to go up.

That’s insight traditional Technical Analysis cannot provide, because it’s limited to looking at price movements. Transaction data, instead, is the underlying activity that generates prices in crypto.

CITE: https://www.r2library.com/Resource/Title/0826102549

Technical Analysis: https://medicalexecutivepost.com/2022/06/23/the-technicians/

***

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DAILY UPDATE: Are we living through Dot-com Bust 2.0?

Posted on October 31, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Also known as the internet bubble or the information technology bubble, the dotcom bubble was the unprecedented rise in equity valuations of internet-based tech companies during the bull market of the late 1990s.

Thanks mainly to speculation and substantial funding for these new internet start-ups, investments in dot-coms (named as such for the .com online top-level domain [TLD] used by such companies) boosted the NASDAQ Composite Index (COMP) from 751 in January 1995 to a peak of 5,048.62 on March 10, 2000. But the bubble eventually burst in March 2000, with many companies failing to even come close to fulfilling their promise. As such, the NASDAQ fell by more than 75 percent between March 2000 and October 2002, thus wiping out more than $5 trillion in market value.

***

Some financial and economic analysts are beginning to compare this year’s tech rout (which has cost the NASDAQ $8 trillion in value so far) with the bursting of the dot-com bubble in 2000–2002, when the NASDAQ lost the equivalent of $8.6 trillion in today’s dollars. The industrial-focused Dow, on the other hand, is on track for its best October in history.
The FOMC is likely a lock to hike interest rates by a large75 basis points on Wednesday for the fourth straight meeting. Evidence that its inflation-fighting campaign is working could come on Friday, with the October jobs report.

***

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US Treasury “I” Bonds [Maybe -OR- Not?]

Posted on October 30, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

HOW DO THEY WORK?

By Staff Reporters

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What is an I bond and how do they work?

DEFINITION: A a 30-year Treasury bond that protects you against inflation. It pays both a fixed interest rate and a rate that changes twice a year with inflation.

Interest is compounded semiannually, meaning every 6 months a new interest rate is applied to a new principal value that equals the prior principal plus the interest earned in the last 6 months. The bond’s value grows because it earns interest and because the principal value gets bigger.

You can buy $10,000 worth from the Treasury and another $5,000 using your tax refund. You can cash them in after 12 months, but if you do so in less than 5 years, you lose the last 3 months of interest.

Taxes on I Bonds?

You must pay federal income tax but no state and local taxes on I bonds. You can either report each year’s earnings or wait to report all the earnings when you cash the bond.

If you use the money for qualified higher education expenses, you may not owe tax on the earnings.

Current Interest Rates

The current the record high 9.62% interest rate on I bonds issued through October will drop Nov. 1st, 2022 to 6.48%.

***

CONTRARY OPINION: https://www.msn.com/en-us/money/markets/why-i-don-t-want-i-bonds/ar-AA13uyWg?cvid=ee66997c39214055ab89f3883629bb92

***

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MONOGRAM: The “Knee Joint” Replacement IPO

Posted on October 30, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

Modernizing the $19.6B Knee Replacement Industry

By Staff Reporters

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One way to classify joints is by range of motion. Immovable joints include the sutures of the skull, the articulations between teeth and the mandible, and the joint located between the first pair of ribs and the sternum. Some joints have slight movement; an example is the distal joint between the tibia and fibula. Joints that allow a lot of motion (think of the shoulder, wrist, hip, and ankle) are located in the upper and lower limbs.

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KNEE: No bones about it

The $19.6b joint-replacement industry uses outdated methods, leading to 100,000 surgeries failing annually. Monogram aims to fix it with precision surgical robots + personalized implants.

***

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***

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HALLOWEEN: Stock Index Indicator?

Posted on October 29, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

SELL IN MAY – AND GO AWAY

By Staff Reporters

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Essentially, the HALLOWEEN INDICATOR is a market-timing strategy. It argues that, by buying into the stock market after Halloween and selling at the end of April, investors would generate a better annual return on their portfolio than if they had remained invested throughout the year. Sell in May and go away is an investment strategy for stocks based on a theory that the period from November to April inclusive has significantly stronger stock market growth on average than the other months

The practice of abandoning stocks beginning in May of each year is widely thought to have its origins in the United Kingdom. The privileged class would leave London and head to their country estates for the summer months, where they would largely ignore their investment portfolios. To this day, many stock market watchers have postulated that the corresponding impact of summer vacations on market liquidity and investors’ risk aversion is at least partly responsible for the difference in seasonal returns.

In what is considered to be a seminal piece of research on the subject, “The Halloween Indicator, ‘Sell in May and Go Away’: Another Puzzle,” authors Sven Bouman and Ben Jacobsen were among the first to document a strong seasonal effect in global stock markets. In 36 of the 37 developed and emerging markets they studied between 1973 and 1998, the authors found returns in the November through April period to be, on average, significantly higher than those in the May through October period, even after taking transaction costs into account. What puzzled the authors was the fact that, while the anomaly was widely known and seemed to offer considerable economic rewards, it had not been arbitraged away.

More recently, Jacobsen partnered with Cherry Zhang on a follow up study, titled, “The Halloween Indicator: Everywhere and All the Time,” and extended the research to 108 stock markets using all historical data available. The result was a sample of 55,425 monthly observations (including more than 300 years of UK data), which helped to rebut any criticisms of data mining and sample selection bias. The results were compelling, as the November through April “winter” period delivered returns that were, on average, 4.52% higher than the “summer” returns. The Halloween effect was evident in 81 out of 108 countries. The size of the Halloween effect varied across geographies. It was found to be stronger in developed and emerging markets than in frontier markets.

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MORE: https://medicalexecutivepost.com/2021/10/30/the-halloween-index-investment-strategy/

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ELON MUSK’S TWITTER FOR DOCTORS: Same, Change, Grow or Die?

Posted on October 28, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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NEWS FLASH!

Elon Musk, the richest person on the planet, is the CEO of the world’s most valuable automaker TESLA, heads up a $125 billion aerospace giant, and as of yesterday, is the owner of a social media company Twitter.

According to multiple reports, Musk closed the $44 billion deal last night, less than 24 hours before today’s 5pm ET deadline. He began his reign as “Chief Twit” by firing at least four executives, including CEO Parag Agrawal (who was reportedly escorted out of Twitter’s SF headquarters). Later today, Musk is expected to address anxious employees, who might be worried they’ll face the same fate as their former leader. Historically:

Musk acquired a large stake in Twitter and later signed a deal to buy all of it.

Then he tried to back out, citing bot issues, but Twitter sued him to enforce the agreement.

Musk blinked weeks ahead of a trial, and said he would buy Twitter.

Now What?

So begins Musk’s attempt to, in his words, “help humanity” by trying to turn Twitter into a “common digital town square.”

We know that Musk has ultra-ambitious goals for the company: 5x Twitter’s revenue by 2028, supercharge the subscriptions business, and turn Twitter into a super app called “X.” But murkier is the path he intends to take to get there, and he’s already sending mixed signals about his intentions. And what about doctors and the healthcare industrial complex? Will it remain the same or change?

History

Back in early 2014 the first list of the “Top 100 Twitter Accounts For Healthcare Professionals To Follow” was born. Then, the biggest social media-related question to hurdle wasn’t, “Who should I be following on social media?” but rather, “Should I even be on social media at all?”

Many years later, it’s safe to say that social media has firmly established itself in the healthcare industry. By finding healthcare Twitter accounts that are related to your specialty, you can have access to the best information and always remain within the loop.

Top 100 Healthcare Twitter Accounts T...

But, with the Elon Musk takeover of Twitter, the medicine and healthcare accounts available may change, remain static or grow, and finding the most valuable medical accounts to follow has become more challenging than ever.

Today

Today, the question truly is, “Who should I be following?” Thankfully, you have been covered since 2020.

HERE: https://emedcert.com/blog/top-healthcare-twitter-accounts-to-follow

Now, colleagues should follow the rest of the Musk story in 2022 and beyond.

***

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DAILY UPDATE: NYSE Suspends Twitter Shares

Posted on October 28, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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The New York Stock Exchange will suspend Twitter shares today as Elon Musk closes in on a takeover. Musk just bought the social media company for $44 billion after trying to walk away from the deal.

***

Stocks Ended Mixed in Volatile Day Full of Reports

U.S. stocks finished mixed in a choppy trading session, as a host of earnings and economic news were released. The markets digested a second-straight 75 basis point rate hike by the European Central Bank (ECB).

Shares of Meta Platforms tumbled after missing earnings estimates and forecasting much higher-than-expected capital expenditures, while Dow members Caterpillar, McDonald’s, Honeywell, and Merck all rallied after beating earnings expectations.

The economic calendar is full as Q3 GDP growth came in stronger than expected, and weekly initial jobless claims were lower than anticipated, but durable goods orders missed forecasts. Treasury yields fell following the data, and the U.S. dollar rebounded from a recent drop amid the ECB rate hike.

Crude oil prices were higher, and gold dipped. Asia diverged as the markets remained choppy, while Europe ended higher following the ECB’s monetary policy decision and amid the flood of earnings reports.

***

FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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BIG TECH STOCKS: Down … Down … Down!

Posted on October 27, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Plunging tech stocks are dragging the markets down and snapping a brief winning streak. Up next for the economy: The third-quarter GDP report.

America’s internet giants are slumping hard in this era of higher interest rates, lower advertising budgets, and widespread economic uncertainty

For example, Meta recently became the latest Big Tech company to post rough financial results for the prior quarter. It recorded its second straight quarter of declining revenue and provided a gloomy outlook for Q4. Perhaps Meta shouldn’t even be considered “Big Tech” anymore. Since its share price peaked in September 2021, the company lost nearly two-thirds of its value…before diving another ~20% in after-hours trading yesterday.

What went wrong? Younger people are fleeing Facebook, and investors aren’t confident CEO Mark Zuckerberg can reinvent the company as a metaverse platform. “Meta has drifted into the land of excess—too many people, too many ideas, too little urgency,” a prominent shareholder wrote this week in a scathing letter. Meta’s metaverse unit, Reality Labs, has lost $9.4 billion so far this year.

While Meta may be the poster child for Big Tech’s struggles, it’s not the only company that needs a checkup

Google parent Alphabet posted its slowest revenue growth since 2013 (outside of one early pandemic quarter), and YouTube ad sales actually fell in Q3. It’s “a tough time in the ad market,” CEO Sundar Pichai acknowledged. Alphabet shares had their worst day since March 2020.
And Microsoft also had its worst day since March 2020 after giving a disappointing forecast. Its push to dominate the metaverse is also faltering, per the WSJ.

Big view

Tech giants scored record profits during COVID, when interest rates were near zero, stimulus checks were flowing, and everyone was stuck inside with only the internet to entertain themselves. No anymore!

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

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DAILY UPDATE: Stocks Mixed After Rough Trading Session

Posted on October 27, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. equities closed out a volatile session mixed as the markets digested a host of quarterly results with earnings season kicking into high gear. Information Technology and Communications Services sectors were the biggest laggards in the wake of disappointing reports from Google’s parent Alphabet, as well as Dow member Microsoft.

Meanwhile, Dow component Boeing was lower despite optimism about its free-cash flow performance, but Dow member Visa rallied following its results.

Housing data dominated the economic front today, with mortgage applications falling for a fifth-straight week, and new home sales dropping amid the spike in interest rates in September.

Treasury yields were lower and the U.S. dollar tumbled to alleviate some uneasiness in the markets, while a smaller-than-expected rate hike out of Canada appeared to also soothe some nerves.

Crude oil prices were sharply higher, and gold traded to the upside.

Asia finished higher though choppiness remained, while Europe saw widespread gains amid cautious trading ahead of tomorrow’s monetary policy decision from the European Central Bank.

***

FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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PODCAST: Private Equity in Healthcare Explained

Posted on October 27, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Eric Bricker MD

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Private Equity is a Newer Name for Leveraged-Buyout Firms that were Popular in the 1980s.

These Companies Use Investor Money and Debt to Buy Companies and Often Use Additional Debt to Accelerate Growth.

The Private Equity Firm then ‘Flips’ or Sells the Company for a Profit.

The Private Equity Firm KKR’s Acquisition of the Physician Staffing Firm Envision is a Great Example of This Strategy.

However, Private Equity Firms May Be Contributing to the Rising Cost of Healthcare Through Their Activities.

***

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BUSINESS OF MEDICINE: https://www.amazon.com/Business-Medical-Practice-Transformational-Doctors/dp/0826105750/ref=sr_1_9?ie=UTF8&qid=1448163039&sr=8-9&keywords=david+marcinko

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Filed under: Experts Invited, Health Economics, Health Insurance, Healthcare Finance, Investing, Practice Worth, Videos | Tagged: Eric Bricker MD, Private Equity, Private Equity in Healthcare, steerage | 1 Comment »

OCTOBER: National Financial Planning Month!

Posted on October 27, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

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By Dr. David Edward Marcinko MBA CMP®

SPONSOR: http://www.CertifiedMedicalPlanner.org

October is National Financial Planning Month—an ideal time to plan your financial future. The end of the year is approaching and a new one will soon begin, so this is the right time to think about what you have done in 2022 and what you could do in 2023. You might want to do something new; you may want to do some things differently.

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GREAT NEWS: But what about financial planning specificity for physicians, nurses and all medical professionals?

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FINANCIAL PLANNING: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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

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

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Filed under: Alerts Sign-Up, Breaking News, Career Development, CMP Program, Financial Planning, Investing, Retirement and Benefits | Tagged: Certified Medical Planner™, CMP, financial planning for doctors, Financial Planning for Physicians, financial planning month, October financial planning month, october national financial planning | Leave a comment »

What is CHROMETOPHOBIA?

Posted on October 27, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

***

A great question to ponder during National Financial Planning Month!

About the “FEAR OF MONEY”

By Charles Patrick Davis, MD, PhD

Fear of money: An abnormal and persistent fear of money. Sufferers experience undue anxiety even though they realize their fear is irrational. They worry that they might mismanage money or that money might live up to its reputation as “the root of all evil.” Perhaps they remember well the ill fortune that befell the mythical King Midas. His wish that everything he touched be turned to gold was fulfilled, and even his food was transformed into gold.

The fear of money is termed chrometophobia or chrematophobia, from the Greek “chrimata” (money) and “phobos” (fear). The “chrome” in “chrometophobia” may also be related to the Greek word “chroma” (color) because of the brilliant colors of ancient coins — for example, gold, silver, bronze and copper.

CITE: https://www.r2library.com/Resource/Title/0826102549

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FINANCIAL PLANNING: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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

***

PHYSICIAN FINANCIAL ADVISORS: https://medicalexecutivepost.com/2021/10/11/

***

Filed under: "Ask-an-Advisor", Experts Invited, Financial Planning, Funding Basics, Glossary Terms, Interviews, Investing, LifeStyle | Tagged: Charles Davis MD PhD, chrometophobia, dictionary health economics and finance, fear of money, financial planning month, national financial planning month | Leave a comment »

SAVINGS: Rates Plummet!

Posted on October 26, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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The personal savings of Americans have plunged this year, hitting $629 billion in the second quarter of 2022, according to the Federal Reserve Bank of St. Louis. That’s down from $1.98 trillion in the second quarter of 2021, and $4.85 trillion in the second quarter of 2020, boosted by COVID-related government cash. But it’s also down from $1.41 trillion in the second quarter of 2019, before the pandemic.

In fact, the personal saving rate — meaning personal saving as a percentage of disposable income, or the share of income left after paying taxes and spending money — fell to 3.5% in August, according to the Bureau of Economic Analysis. It’s quite a U-turn: The personal saving rate recently peaked at 26.3% in March 2021 and 33.8% in April 2020. But the drop in the personal saving rate isn’t all pandemic-related: In January 2020, before the coronavirus pandemic, it was 9.1%.

But, what about doctors and other medical professionals?

***

ORDER: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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Filed under: "Advisors Only", "Doctors Only", Career Development, Financial Planning, Investing, LifeStyle | Tagged: Rates Plummet!, saving, savings, savings rates, SAVINGS: Rates Plummet! | 2 Comments »

FLASH ALERT: “Alphabet” Stock Shares!

Posted on October 26, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Stocks are hot and posted their third straight day of gains on hope that the FOMC might end its rate hikes at some point in the future. But that streak could end today.
Alphabet shares took a tumble in late trading after the company revealed its fifth consecutive quarter of slower revenue growth. Cracks are emerging in some of its core properties: Google search and YouTube. YouTube revenue declined for the first time since Google started reporting the division’s earnings separately.
Alphabet’s total quarterly revenue growth drastically declined from 41% to 6%.
The growth rate of Microsoft’s search and news advertising business has been shrinking each quarter of the past year, coinciding with the general downward trajectory of the entire online advertising market.

***

INVEST: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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Filed under: Breaking News, Financial Planning, Investing | Tagged: Alphabet, Domestic markets, Domestic Stock Markets, FLASH: Alphabet Shares, google, markets, youtube | Leave a comment »

DAILY UPDATE: Stocks Extend Rally as U.S. Dollar and Bond Yields Cool Off!

Posted on October 26, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Stocks Extend Rally as U.S. Dollar and Bond Yields Cool Off

U.S. stocks traded higher as Treasury yields and the U.S. dollar pulled back, while investors digested a host of corporate results.

Earnings reports painted a mixed picture, as Dow member Coca-Cola beat earnings estimates and raised its guidance, while Dow member 3M also announced a positive earnings surprise, but lowered its full-year outlook. Additionally, General Electric missed earnings expectations and lowered guidance, and General Motors topped profit projections. In economic news, home prices declined more than expected in August, consumer confidence decreased, and regional manufacturing fell more than fore-casted.

Crude oil and gold prices gained ground.

Markets in Asia finished mixed as economic uncertainty continued to weigh on conviction, while European stocks finished mostly higher following economic reports and the political situation in the U.K.

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FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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Filed under: "Advisors Only", "Doctors Only", Alerts Sign-Up, Alternative Investments, Investing | Tagged: bond, bond yields, bonds, dollar, stocks, Stocks Extend Rally as U.S. Dollar and Bond Yields Cool Off!, US Dollar | Leave a comment »

META: “Needs to Get its Mojo Back”

Posted on October 25, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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Quote: “Meta needs to get its mojo back.”

With Meta’s share price down more than 60% this year, investors are losing patience with Mark Zuckerberg’s big bet on the metaverse.

Altimeter Capital CEO Brad Gerstner, whose firm has more than 2 million shares in the company, wrote an open letter yesterday urging Meta to cut headcount expenses by 20% and keep metaverse spending under $5 billion per year to become a “more productive, and more focused company.”

We’ll see how Meta feels about its own mojo when it reports earnings tomorrow.

***

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

Filed under: Alternative Investments, Breaking News, Experts Invited, Information Technology, Investing, mental health, Op-Editorials | 2 Comments »

DAILY UPDATE: Stocks Rise Despite Global Services & Manufacturing PMI Data

Posted on October 25, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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U.S. stocks ended the day higher, adding to last week’s rally, which was the biggest advance since June. The three major stock averages climbed for the second straight trading day, but this rally will face a big test in the upcoming earnings season. Left out in the cold were Chinese tech stocks like Alibaba, which plunged as markets reacted (rather negatively) to China’s President Xi Jinping securing an unprecedented third term and packing the country’s leadership with loyalists.

Treasury yields were mixed, as longer-term rates reversed to the upside and seemingly weighed on growth sectors.

The markets awaited this week’s flood of earnings reports amid a day light in equity news, headlined by Tesla’s decision to cut prices for some of its vehicles in China. Political developments out of China and the U.K. were also in focus, along with a flood of Manufacturing and Services PMIs in the U.S. and abroad, which mostly showed a slowdown in activity.

The U.S. dollar was unchanged, while crude oil and gold prices edged lower.

Asian stocks finished mixed with mainland Chinese and Hong Kong equities tumbling, while Europe ended higher despite some

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FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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What is a JUMBO Home Loan Mortgage?

Posted on October 24, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

By Staff Reporters

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What Is a Jumbo Loan?

A jumbo loan, also known as a jumbo mortgage, is a type of financing that exceeds the limits set by the Federal Housing Finance Agency (FHFA). Unlike conventional mortgages, a jumbo loan is not eligible to be purchased, guaranteed, or securitized by Fannie Mae or Freddie Mac. Designed to finance luxury properties and homes in highly competitive local real estate markets, jumbo mortgages come with unique underwriting requirements and tax implications. These kinds of mortgages have gained traction as the housing market continues to recover following the Great Recession.

The value of a jumbo mortgage varies by state—and even county. The FHFA sets the conforming loan limit size for different areas on an annual basis. The limit for 2022 was set at $647,200 for most of the country. This was an increase of $98,950 from the 2021 limit of $548,250. For counties that have higher home values, the baseline limit is set at $970,800, or 150% of $647,200.1

The FHFA has a different set of provisions for areas outside of the continental United States for loan limit calculations. As a result, the baseline limit for a jumbo loan in Alaska, Guam, Hawaii, and the U.S. Virgin Islands as of 2022 is also $970,800. That amount may actually be even higher in counties that have higher home values.

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FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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DAILY UPDATE: “Lights”, Earnings & the Economy

Posted on October 24, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

HAPPY DIWALI

By Staff Reporters

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Happy Diwali! Hindus, Sikhs, Jains, and Buddhists around the world will celebrate India’s “festival of lights” today. In a sign of growing recognition of the festival, New York City announced last week that Diwali will become an official school holiday.

Earnings: If earnings season were a music festival, the headliners are about to come onstage. Corporate titans Amazon, Microsoft, Apple, Alphabet, and Meta are among the ~150 S&P companies that will give financial updates this week.

Economic data: The US economy shrank during the first two quarters of the year. We’ll find out whether it grew again in Q3 when fresh GDP numbers drop on Thursday (it’s expected to have). Plus, the Fed’s preferred measure of inflation will be released on Friday.

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FINANCE: https://www.routledge.com/Comprehensive-Financial-Planning-Strategies-for-Doctors-and-Advisors-Best/Marcinko-Hetico/p/book/9781482240283

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Filed under: Alerts Sign-Up, Investing, LifeStyle | Tagged: DAILY UPDATE: Earnings Season & the Economy, Diwali, earnings, economy, lights | 1 Comment »

What is the Stock Market DEATH CROSS?

Posted on October 23, 2022 by Dr. David Edward Marcinko MBA MEd CMP™

Is A Market Downside Ahead?

By Staff Reporters

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What Is a Death Cross?

The death cross is a technical chart pattern indicating the potential for a major sell-off. The death cross appears on a chart when a stock’s short-term moving average crosses below its long-term moving average. Typically, the most common moving averages used in this pattern are the 50-day and 200-day moving averages.

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https://medicalexecutivepost.com/2022/02/09/what-is-a-bear-market-relief-rally/

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

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Summary:

The death cross is a bearish signal that’s issued when the short term moving average penetrates the falling long term moving average from above.
The most common settings for the averages are 50 and 200.
The death cross is a lagging indicator, which should be taken into consideration before relying on it for your own investments
MORE: https://www.msn.com/en-us/money/markets/the-stock-market-is-on-the-verge-of-flashing-a-death-cross-for-the-first-time-in-2-years-suggesting-more-downside-ahead/ar-AAUQaap?li=BBnbfcL
RELATED: https://www.msn.com/en-us/money/markets/recession-coming-4-signs-pointing-to-a-major-market-downturn-in-2022/ar-AAUQkdn?li=BBnbfcL

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Filed under: Glossary Terms, Investing | Tagged: bear market, death cross, market sell-off, stock market death cross, stock moving averages | 2 Comments »

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