#average dentist net worth
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10-27
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Alternative Health Career
An alternative health career I have been considering is dentistry. Although I am still pre-medical there are factors that make a career in dentistry attractive. First, the amount of time spent in school after obtaining an undergraduate degree is significantly shorter. On average, pre-dental students spend four years in dental school while pre-medical students average thirteen years. This is significant as this is nine years of salary and experience pre-medical students could have been accumulating instead of paying hundreds of thousands of dollars for more schooling. Furthermore, the difference in salaries between dentists and physicians is not as much as I expected. On average, dentists make $150,000 a year while physicians average $200,000 yearly. After doing calculations, I realize that a career as a dentist may actually be more lucrative than a career in medicine. If dentists can join the workforce eleven years earlier than a physician, that is an extra $1,350,000. If physicians only make $50,000 more than dentists yearly, it will take twenty-seven years to surpass a dentist’s net worth. After twenty-seven years, this is close to retirement age. I’ve never thought about this point and it is something I will definitely consider.
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Rubi Rose Height, Weight, Age, Boyfriend, Biography, Net Worth
Rubi Rose (born October 2, 1998) is an American Model, Instagram Star, Rapper, Recording Artist, Video Vixen, and Social Media Sensation from Lexington, Kentucky. She is best known for being one of the most followed Instagram personalities.
Rubi entertains her fans on her official account “therubirose” by posting sexy pictures, personal lifestyle, professional photoshoots, some glimpses of vacation trips, brand endorsements, and much more.
Furthermore, the influencer has over 1.1 million followers on the platform. As per the source, Rose launched her career as a blogger after posting her first picture in 2014.
As a musical artist, she is signed to Hitco Entertainment. Rubi is currently managed by her management named the Electric Republic. The recording artist first received recognization after starring in a 2016 music video called “Bad and Boujee” by Migos and Lil Uzi Vert.
In fact, the YouTUbe video of this song has over 933 million views. Earlier, she also starred in a music video titled “Cigarette Song” by Raury. Later, the model worked on her musical career and released two songs named “Trickin” and “Big Mouth”.
Her debut single “Trickin” came out in January 2019 which was distributed by the Electric Republic. The “Big Mouth” track was released in June 2019. The same year, the model also made her SXSW on March 14, 2019, after performing Buffalo Billiards.
In her aspiring career, the rapper also collaborated with artists such as Renni Rucci and Cuban Doll for a single named “A.G.F.”. Zabba worked as a producer for the song. Rubi Rose’s Net worth is calculated to be around $350,000 US Dollars, as of 2020.
The sexy video vixen was born to her parents in 1998 in Lexington, Kentucky, the United States of America (Rubi Rose’s age is 21 years old, as in 2019).
Rubi also throws extravagant birthday parties on the 2nd of October every year for her close friends and family.
Her father and mother moved to Geneva, Switzerland for several years where the model was raised.
Furthermore, Rubi’s mom works as a dentist and her dad has a business.
The recording artist’s mother is originally from Switzerland.
Furthermore, she belongs to multiracial ethnicity and has Japanese & Eritrean descent.
During her junior year of high school, Rose moved to Atlanta, Georgia.
https://www.instagram.com/p/BzY3gsrn91d/
She even remained one of the members of a cheerleading team of her school.
Later, the rapper started to attend Georgia State University where Rubi is studying English.
Her popularity on Instagram gave her an opportunity to work with the aspiring names in the music industry.
The rapper’s first project was a 2014 music video gig for LVRN.
Standing at an average height of 1.63 meters (5 ft 4 in), Rubi Rose has a lean yet sexy figure.
She maintains her body weight which is around 54 kg (119 pounds) by involving herself in various physical activities such as dancing, swimming, sports, etc.
Rose worked with big brands on Instagram such as Fashion Nova, Princess Polly, and Pink Dolphin.
In 2018, she got featured in 2018’s “On Top” song opposite Playboi Carti (American rapper, singer, and songwriter).
The artist also rapped the verse about “Getting Top”.
According to official reports, she dated her boyfriend Playboi Carti at that time.
Carti physically assaulted her during their love life and also got arrested in LAX.
Rubi also has an unreleased song with Young Thug (American rapper, singer, and songwriter).
Rubi Rose Biography :
Full Real Name : Rubi Rose
Stage Name : Rubi
Profession : Model, Instagram Star, Rapper, Recording Artist, Video Vixen, and Social Media Sensation
Current Residence : Atlanta, Georgia, USA
Birthday (DOB) : October 2, 1998
Place of Birth : Lexington, Kentucky, USA (but raised in Geneva, Switzerland)
Zodiac Sign : Libra
Age : 22 years old
Nationality : American
Ethnicity : Black
Religion : Christian
Sexuality : Straight
Gender : Female
Height : 5 Feet 4 Inches
Weight : 54 Kg
Hair Color : Brown
Eye Color : Brown
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Child Support in Texas: What is the most you will have to pay and what are the exceptions to that rule?
If you want to related guideline confidentiality Texas Child Law experience, So you can better suggestions in Child Support in Texas: What is the most you will have to pay and what are the exceptions to that rule?
Houston Divorce Lawyer: Being worried about child support is normal if you are going through a child custody case or divorce. It’s normal if you’re the parent who is going to receive child support because odds are you are losing an income from your household and you need to be able to compensate for that by receiving a monthly payment from your ex spouse.
If the amount is insufficient then there will be more month left at the end of the money, as Dave Ramsey likes to say. That means your children may not be able to go to the dentist or maybe you fall behind on your light bill.
On the other end of the spectrum, if you are the parent who expects to have to pay child support you also have concerns. Ultimately your biggest concern is making sure your children are able to live happy, stable and consistent lives no matter who lives with whom. However, that’s not to say that you don’t have responsibilities beyond your children and the payment of child support every month can make things tight for you as well.
Worse yet- you’ve heard horror stories about lawyers figuring out creative ways to “enhance” the income of the parent with whom the children do not live with primarily and that child support payment either makes them fall behind on bills or makes them fall behind in child support.
If you are a parent going through a family lawcase then this blog post is for you. In it we will discuss the maximum amount of child support you can expect to receive or pay. We will also discuss exceptions to the rule that there is a maximum amount of support a parent is on the hook for and other specifics that relate to paying child support in Texas.
Max Child Support in Texas
For the purposes of this section, I will use the term “obligor” when referencing the parent who has the responsibility to pay child support.
The first $8,550 of the obligor’s monthly net resources are fair game to be assessed for child support payments. If we go into the Texas Family Code, the rules are straightforward as far as the percentage of the obligor parent’s net monthly resources that would go towards supporting their child. One child is 20%, Two children are 25% on up to 40% for five or more children.
This assumes that the obligor parent is not responsible for any other children not presently before the court. For the sake of clarity we will make that assumption for our discussion today.
Any income earned beyond this amount per month is not typically considered when determining the amount of child support that is owed on a monthly basis. I say not typically because it is possible for a court to not strictly follow the guideline percentages that I laid out earlier. This means that the obligor parent can in some instances be on the hook for paying greater than the statutory guidelines amount.
Courts look to the proven needs of a child to determine if a higher than guidelines amount of support is justified
Divorce Lawyer in Houston: A court would examine what the Family Code calls the “proven needs” of the child in question to make a determination on what amount of support is necessary. Normally child support is intended to cover essentials like clothes, shelter and food. If a family is extremely wealthy and the child has experienced a great deal in their lives and has become accustomed to enhancements of their education or extracurricular activities then a judge can approve a higher than guidelines level of support. A more straightforward example may be a child who needs medical attention on a consistent basis to the extent that “guidelines” support would not provide for.
Help for the obligor parent within the Texas Family Code
If you are a mother or father who earns a great income and read this past section your heart rate may have picked up a few notches. This section is intended to help bring it down a level or two.
Just as the Family Code allows for greater than guidelines levels of support, it also limits the “damage” by noting that no court can order an employer to withhold more than 50% of an obligor’s earnings. This is a good thing for parents who could be on the hook for a potentially large child support obligation based on their family’s past lifestyle or other circumstances.
On the other hand, the above limitation provided by the Family Code does not limit the amount that a parent can owe, however. This means that if you as an obligor become delinquent in paying child support just because the State can’t force your employer to hold back everything that you owe, that doesn’t mean that you won’t fall further and further behind in payments.
These arrearages can become intimidatingly large. Enforcement actions, whether brought by your child’s other parent or the Attorney General of Texas, can provide for stiff penalties including jail time if you fall behind to an excessive amount and show little propensity or willingness to pay the arrearages off.
I have been in courtrooms and seen men and women who owe over $200,000 sent to jail by judges because of their unwillingness to pay towards their arrearage despite higher than average income. These are extreme situations and are atypical, but are worth mentioning.
Questions about child support? Contact the Law Office of Bryan Fagan, PLLC
Divorce Attorney Houston: If you have questions about child support- whether it is collecting support owed to you or modifying a prior order- please do not hesitate to contact the Law Office of Bryan Fagan, PLLC. Our licensed family law attorneys are experienced in handling matters related to child support and would be honored to speak with you about your case. A free of charge consultation is only a phone call away and are available six days a week ... Continue Reading
#divorce#Divorce Attorney#texas divorce#Divorce Attorney Texas#divorce houston#family#Family Law#Family Law Attorney#bryan fagan#houston family law attorneys#attorney#attorneys#law#lawyer#lawyers#Houston#Divorce Attorney Houston#Divorce Attorney in Houston#Divorce Attorneys Houston#Texas
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Child Support in Texas: What is the most you will have to pay and what are the exceptions to that rule?
On the off chance that you have require a best reasonable Texas Divorce Law encounter, Child Support in Texas: What is the most you will have to pay and what are the exceptions to that rule? with the immense procedure!
Divorce Lawyer in Houston: Being worried about child support is normal if you are going through a child custody case or divorce. It’s normal if you’re the parent who is going to receive child support because odds are you are losing an income from your household and you need to be able to compensate for that by receiving a monthly payment from your ex spouse.
If the amount is insufficient then there will be more month left at the end of the money, as Dave Ramsey likes to say. That means your children may not be able to go to the dentist or maybe you fall behind on your light bill.
On the other end of the spectrum, if you are the parent who expects to have to pay child support you also have concerns. Ultimately your biggest concern is making sure your children are able to live happy, stable and consistent lives no matter who lives with whom. However, that’s not to say that you don’t have responsibilities beyond your children and the payment of child support every month can make things tight for you as well.
Worse yet- you’ve heard horror stories about lawyers figuring out creative ways to “enhance” the income of the parent with whom the children do not live with primarily and that child support payment either makes them fall behind on bills or makes them fall behind in child support.
If you are a parent going through a family lawcase then this blog post is for you. In it we will discuss the maximum amount of child support you can expect to receive or pay. We will also discuss exceptions to the rule that there is a maximum amount of support a parent is on the hook for and other specifics that relate to paying child support in Texas.
Max Child Support in Texas
For the purposes of this section, I will use the term “obligor” when referencing the parent who has the responsibility to pay child support.
The first $8,550 of the obligor’s monthly net resources are fair game to be assessed for child support payments. If we go into the Texas Family Code, the rules are straightforward as far as the percentage of the obligor parent’s net monthly resources that would go towards supporting their child. One child is 20%, Two children are 25% on up to 40% for five or more children.
This assumes that the obligor parent is not responsible for any other children not presently before the court. For the sake of clarity we will make that assumption for our discussion today.
Any income earned beyond this amount per month is not typically considered when determining the amount of child support that is owed on a monthly basis. I say not typically because it is possible for a court to not strictly follow the guideline percentages that I laid out earlier. This means that the obligor parent can in some instances be on the hook for paying greater than the statutory guidelines amount.
Courts look to the proven needs of a child to determine if a higher than guidelines amount of support is justified
Divorce Attorney Houston: A court would examine what the Family Code calls the “proven needs” of the child in question to make a determination on what amount of support is necessary. Normally child support is intended to cover essentials like clothes, shelter and food. If a family is extremely wealthy and the child has experienced a great deal in their lives and has become accustomed to enhancements of their education or extracurricular activities then a judge can approve a higher than guidelines level of support. A more straightforward example may be a child who needs medical attention on a consistent basis to the extent that “guidelines” support would not provide for.
Help for the obligor parent within the Texas Family Code
If you are a mother or father who earns a great income and read this past section your heart rate may have picked up a few notches. This section is intended to help bring it down a level or two.
Just as the Family Code allows for greater than guidelines levels of support, it also limits the “damage” by noting that no court can order an employer to withhold more than 50% of an obligor’s earnings. This is a good thing for parents who could be on the hook for a potentially large child support obligation based on their family’s past lifestyle or other circumstances.
On the other hand, the above limitation provided by the Family Code does not limit the amount that a parent can owe, however. This means that if you as an obligor become delinquent in paying child support just because the State can’t force your employer to hold back everything that you owe, that doesn’t mean that you won’t fall further and further behind in payments.
These arrearages can become intimidatingly large. Enforcement actions, whether brought by your child’s other parent or the Attorney General of Texas, can provide for stiff penalties including jail time if you fall behind to an excessive amount and show little propensity or willingness to pay the arrearages off.
I have been in courtrooms and seen men and women who owe over $200,000 sent to jail by judges because of their unwillingness to pay towards their arrearage despite higher than average income. These are extreme situations and are atypical, but are worth mentioning.
Questions about child support? Contact the Law Office of Bryan Fagan, PLLC
Houston Divorce Lawyers: If you have questions about child support- whether it is collecting support owed to you or modifying a prior order- please do not hesitate to contact the Law Office of Bryan Fagan, PLLC. Our licensed family law attorneys are experienced in handling matters related to child support and would be honored to speak with you about your case. A free of charge consultation is only a phone call away and are available six days a week ... Continue Reading
#divorce#divorce law#family#Family Law#fagan#bryan fagan#attorney#attorneys#texas attorneys#law#lawyer#lawyers#Houston lawyers#Houston#Texas
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using google information to trade options trading program Tennessee the value of the call spread was $0.
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using google information to trade options trading program Tennessee Let Option Expire - usually because the market went up and trading them is not worth it, nor is exercising your right to sell it at the strike price.
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etf options trading Tennessee On 7/31/14, UVXY was trading at $31.
best course on options trading Tennessee Since selling a stock short is extremely risky, since you have to cover that short and your buyback price of that stock is unknown.
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tradingology options trading course Tennessee Read Books on Options TradingTechnically, they don't have to be all about options trading since there is overlap in every investment book.
using google information to trade options trading program Tennessee � Why does the President have advisers?
if you're sized up too much.
In 3 Ways To Keep More Profits & Know When To Sell, I explain the importance of closing out a position into strength. )What other information can we use to figure out the right size if you're going to use more leverage?Well, we need to know the risk associated with the trade or position. Are there any event or headline risks?Like an earnings announcement, conference call, analyst day, economic data release, Federal Reserve or other central bank meetings in the coming future, legal verdicts coming out, possible M&A or a reaction to earnings etc. In this example, the UVXY ETF is associated with fear in the marketplace. The event or headline risk would be macroeconomic as well as geopolitical. Are there any key technical levels?Some questions to ask yourself: Is a key moving average that is broken, support or resistance levels violated, a spike below or above the VWAP or whatever technical indicator you're looking at. Now, I know some option investors who don't use price charts or technical analysis; some are very successful. However, even if you don't. understand that there are other traders who do (with serious money behind them).
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best site for options trading Tennessee You did pay a premium of $500, so the total net gain in this options trading example would be $1500.
However, they wasted all there bullets without any room for error. Going all in or full size was not the right play in this situation. You see, it's important to have some kind of perspective and understanding of the stock or ETF you're trading. The type of move we saw in UVXY is not uncommon relative to how it trades. The option investor should have been aware of this and sized smaller. Putting volatility levels into context is essential if you're going to be using options to express investment ideas. Examine the time frame?In my previous article , I share a story of one of my trades, where I had to close out a position because I was leaving to go to a dentist appointment. I bought back some short puts for $0. 10 expiring in an hour.
make a living trading options Tennessee This increase in premiums allows for the investor to trade the option in the market for a profit.
The key to getting the relative sizing correctly is understanding the risks associated with the position.
trading options video Tennessee )Now, when I typically short premium via structured trades.
On 7/31/14, UVXY was trading at $31. 70. Let's assume on that day an option investor sold 20 $36/$39 call spreads (expiring 8/8/14). collecting a premium of $0. 57 or a total $1140 (minus fees and commissions). Their goal is to get out of the position when the premium of the spread reaches $0. 29. in which they would be buying back the spread for a profit of $560. Taking profits at 50% of the premium collected is a great level to exit.
options trading course reviews Tennessee Let me walk you through a likely trade scenario an investor not familiar with relative sizing might make.
This usually occurs when their position is too big relative to the risk and account size.
what is options trading Tennessee 63%.
down 9%. the value of the call spread was $0. 47. On Tuesday, it rebounded to $35. 93. the value of the call spread was back to around $1. 00.
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one loss can wipe out several weeks or months of gains.
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For me, I like to play the number's game and let the probabilities work out. by sizing my positions with the max risk already set in place. However, I understand that some of you have a little bit more risk tolerance than me. so I wanted to show you what else to consider when taking on more risk by sizing up. Obviously experience is the best teacher.
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The Naughty List
‘Tis the night before Christmas and all through the house, every flat surface of the living room is occupied by your lounging family members. Your beautiful family is painted with TV lights over a countenance of holiday bliss and you can’t stop admiring them. It’s quiet and peaceful and you’re surrounded by the people you love most in the world, together sharing this moment. You’re so proud.
Then you notice I’m on your television. You turn up the volume just a little bit, careful not to wake up you-know-who that’s always the first one asleep. I’m doing a press conference. You remember that I’m not likely to do press conferences, but I’m on every channel and I’m not answering your texts, so you start to believe the impossible.
I’ve invented a machine that enables you to experience your heart’s deepest desires. It manipulates the brain in precise patterns that it can run all your fantasy simulations subconsciously, and it’s done in such an authentic and believable way that you’ll have sharp and lasting memories about living out your dream scenario. Some Very Important People have already agreed it’s one-hundred percent effective, having each been given a demonstration. Everyone is now discussing what’s to be done with my machine.
You’ve been watching the conference for a while and it’s past bedtime but since I’ve made possibly the most groundbreaking discovery of all time, everyone gets to stay up a little longer. You learn that the machine has no way to record the adventure it sends someone on, so each fantasy stays private and locked within the vault of your own mind. You’re free to live out the life you’ve always wanted. Marry into royalty. Be the most famous person on the planet. Do the weird sexual stuff you don’t have the guts to actually try. Live out the plot of Blade Runner and be the one who Runs all the Blades (I’ve never seen the movie). It takes only seconds to use for a lifetime of incredible memories, and can be beamed remotely into your head so you won’t even have to leave your chair.
You also learn that I’m the only person who can operate the device, so the government, in a fit of holiday spirit, has kindly allowed me to keep my machine under the condition that they never have to wait in line to use it.
We’re reached the grand finale of my speech: I have a December 24th gift for everyone. Any person, anywhere, can earn earn a turn with my machine exactly one year from now. For the next three-hundred sixty-five days, each of you will accumulate points for day-to-day acts of kindness that are deemed worthy and the results will be displayed on the back of your left hand. It is up to you to discover which acts will earn you a go with my machine.
It would be dumb not to try.
My awkward announcement to all people of all nations ends with instructions to have a good night and sleep well, since the game begins as soon as you wake up in the morning. Your family excitedly doubts anyone will sleep tonight, then gets extra hugs and scrambles off to bed. Visions of sugarplums dance in your heads.
You wake to a shift in the atmosphere. Today everything feels a bit more special. Your family is smiling with sincerity in all the photos. You hear “please” and “thank you” and “you’re so welcome” as gifts are unwrapped in a calm and orderly fashion. True gratitude is being expressed at dinner, actual compliments are passed around, everyone notices the decorations you spent so much time on. Every so often, you see the number increase on the back of your hand. It’s happening to every one of you and the kids shout in delight each time their tally grows. It’s one of the most satisfying and fulfilling days you’ve ever had. No one bickered, no one felt excluded, nobody was put upon or overwhelmed. Each of you were the best versions of yourselves today. The points are a nice bonus.
The next day is even better. You hold the door for a stranger and your total rises. You pay for a co-worker’s coffee and get a little boost. All the while, every person you encounter is the friendliest you’ve ever seen them, and you begin to notice little changes in each person’s face when they score big. Internal celebrations seep into subtle smiles and the vibe of wellbeing intensifies. The rough edges you’re so used to seem softer. By dinnertime, everyone has heard of The List that’s being crowdsourced online of every scoring action and the average point gains being reported from around the world. Later in the week you watch a news report confirming that I’ve seen this list, and checked it thoroughly twice before authorizing it. You call me to see how I’m doing (3 points) and congratulate me on how my hair looked in that last interview (point), and ask for a few hints between friends for some higher-earning deeds.
Your Facebook friends are sharing their scores with palpable glee. Twitter is flooded with tips and tricks to maximize your daily average. Everyone’s Snapchat story includes video of them handing a water bottle to a homeless man or donating clothes to Goodwill. You can’t remember feeling more upbeat and motivated. You challenge yourself for weeks to beat your previous day’s score. Your boss gives you a promotion while eagerly staring at the back of his hand. The lady whose car you back into in front of the Chipotle gives you a hug to calm your nerves and offers you the extra guac they gave her inside. Celebrity scores become a hot topic and the most popular Reddit thread is a stream of fantasy synopses that you can sort by popularity for ideas.
These are the new best days of your life. A month later, the news is suddenly dominated by reports of people scamming the system. A young man in the South found out he could score points by signing up to volunteer, even if he didn’t show up to help. Two businessmen in South Africa racked up high scores for the hundreds of fake charities they created. A new rule was implemented: anyone caught cheating is now being publicly shamed for their punitive point losses in a document with a complicated military code for a name. Everyone just calls it The Naughty List.
A few weeks later, there’s a ripple of panic worldwide as people slowly notice their default point-earning actions are bringing in lower and lower numbers each day. You’re pretty annoyed at the grocery store when you’re only getting one point per cart you give up to someone else in the entrance. And when you bump into your ex’s new partner in line at the gas station, you nod at them politely three times but nothing even happens. Not one single point. It’s frustrating.
There’s a conspiracy theory going around that points are somehow tied into the significance of the action. It seems that robotically performing the same actions won’t cut it anymore. You aim higher, and the reward is worth the extra effort.
At least you’re not one of the disgraced people whose points fell when they were caught shoplifting or bullying or shaming a mother for breastfeeding. You’ve always been a good person. You check the total on your hand reassuringly throughout the day as you flip back and forth between the 24-hour televised coverage of the Naughty List’s newest inductees and the 24-hour countdown until next Christmas.
One day a woman in Bangladesh leaves her long-time abuser and that evening she’s an international news story for having gained the highest amount of points for a single achievement. It’s a game-changer once everyone realizes that taking care of yourself is a high-scoring act of kindness. Therapists become the highest paid, most sought after career. Suicide-line callers generate as many points as suicide-line volunteers. Checking into rehab nets people so many points that facilities set up overflow units. And you notice the change in your own life: finally making an appointment with your dentist got you points. Asking your friend to talk you through that panic attack got you points. You get more points than you can believe when you treat yourself to a massage for the first time in your life.
Yesterday, a senator abolished private prisons and jumped up to the top score in his country. Today, there’s a mad rush for all the political parties of the world to solve all of humanity’s problems. Global trends are analyzed. Low-scoring people are being shunned and anyone with a negative score is rounded up for questioning. You’re currently at a Walmart, loading up on 50 pound bags of dog food to bring to the animal shelter. You only manage to grab three because two other guys had the same idea and you had to argue over them. Now your good deed is making you late for work and you’re on edge, so when the cashier asks you how many dogs you have, you snap at her that it’s none of her business. You can feel everyone’s eyes on your back as your immediate area goes quiet. One whole point slides from your hand. You’re mortified. You’re apologizing profusely but the customers are already passing around a silent look of distaste at you. “You better watch out,” one of them says as tears well in your eyes. “And no use crying or pouting about it.”
You call me a few days later to confess to The Incident and describe your great remorse while asking if the Naughty List is a permanent thing. I could tell you were disappointed that I don’t have the power to give or take points, but it’s still nice to hear from you and I wish I could talk longer but participation in the game has far exceeded my initial forecast. So I’ve been working on a way to amplify my machine’s signal in order to beam everyone’s ultimate fantasies into their heads simultaneously to everyone in the world in just one night. I even opened a facility up north and hired some seasonal interns to help me.
It’s sweet of you to call, though. You glance at your hand hopefully.
It’s now been most of a year and you’re living in a utopian society. Everyone is on their best behavior. Everyone is practicing self-care. Life as we know it has drastically shifted. We’re curing diseases with all the money that everyone can afford to donate with the enormous cost-of-living wage increase everyone was given (corporations discovered they can score points of their own). You went back to school to learn that thing you’ve always wanted to try, resulting in an even hundred points, so you’re riding high. That single point on the Naughty List hasn’t haunted you for months. You give everyone on the street a friendly greeting because one out of 30 scores you a point or two and it’s just good math. And everyone smiles back, so it’s win-win.
December rolls around again and the perfect world is in a fever pitch. Rival Good Guy Gangs are fighting to show each other up with huge point pools. Your score is no longer a protected status for discrimination in the workplace, but you get two points for the email you wrote thanking your CEO for the opportunity after you’re replaced with someone almost double your score. The Top Ten are the most venerated human beings in modern history. The two Lists are dominating headlines and infographics came back into fashion. You’ve been perfecting your most wished-for fantasy in your head instead of looking for jobs.
Your family hasn’t spent much time together after the basic interactions were overused into low-score territory. The easy ones like reading to the kids, making lunch for the family, letting you-know-who sleep in so they won’t be so grumpy - none of them come with a reward anymore so everyone has moved on to grander undertakings. Keeping up with your point-league is starting to become a full time job, but not one that pays the bills. Your face hurts from smiling at every. goddamn. person you cross paths with and you’ll never admit how jealous it makes you that you that the idiot who almost got you expelled in high school managed to pull eight bodies from a burning building AND rescue a litter of puppies all in one week. It totally threw off your racket.
There are only a few days left until I load The Lists into my machine, tune into the brains of the Worthy, and make everyone’s dreams appear to come true. You’re broke and exhausted from shopping for 156 more people than usual, crossing your fingers that it’ll buy you a few more points in the home stretch. You stood in line at the post office for 90 minutes to send me a package of homemade cookies. You’ve been sitting in your car for a half an hour trying to talk yourself out of flaking on your volunteer shift at the Complimentary Compliment Call Center for the second time this month. It all seems so fake, anyway. Every action is in the pursuit of points. You’re just glad that the game is almost over.
Your entire family is relieved on Christmas Eve. You made it. Of course, the fantasy world you’re about to experience is exciting, but you haven’t felt this relaxed all year. The family decides you’re so close to the deadline now that a few more points won’t matter, and everyone should just focus on having a nice holiday without the pressure of the numbers on your hands. You love your family even more for the suggestion, and you all sit down for dinner with the most legitimate smiles you’ve smiled in too long. It feels good to just drop the veneer and be yourself. You laugh together and feel free together and eat way too much and enjoy all the things you missed most. Then you all retire to the living room in a content stupor and take up your usual positions in front of the Countdown timer on TV. This is it - what you’ve worked hard all year for. The timer ticks down the last remaining seconds. You survey your family one last time before it hits zero.
The people you love most in the world, together sharing this moment. You’re so proud.
Then you notice I’m on your television having some sort of press conference about a machine I invented and you’re surprised to see me on TV, especially since you know I’m not likely to do press conferences. You fumble for the volume on the remote to hear what’s going on. You turn it up, but just a bit, so that you don’t wake up you-know-who.
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Rethink any assumptions about international small and mid caps
Higher quality at a lower price is not a combination that can usually be found anywhere. But that is what has recently been available with international small- and mid-capitalization (SMID) stocks. On measures such as return on equity measures (See Figure 2), international SMID companies are higher quality, yet they have been trading on average at a 40% discount to US small- and mid-caps.1 Investors haven’t been taking advantage of this opportunity, with their average allocation to the international SMID asset class averaging just 1% vs. 13% to US SMID, according to Morningstar.
Global leaders
Why have international SMIDs been overlooked? We think it is because of the traits people associate with their US SMID peers: greater risk and lots of “me-too” and “also-ran” companies trying to compete against larger, entrenched players. But these traits often don’t apply in international markets. In fact, in multiple industries, and particularly in highly profitable niche markets, the global leader, based on market share, is often an international SMID company. (See Figure 1)
Figure 1: Many international small- and mid-cap companies are market share leaders in their industries
Source: Invesco research, company web sites. Provided for informational and illustrative purposes only and should not be deemed as a recommendation to buy the securities mentioned herein. Global ranking is based on company market share, as of 6/30/20. (Latest date for which information is available.)
Consider a few examples of these international SMID companies that are global leaders for market share in their industries:
England’s Abcam ($3.56-billion market cap as of 6/30/20), is known as the “Amazon of antibodies” and controls the world’s largest library of them in a niche industry that is growing annually at a rate of more than 7%.
Switzerland’s LEM Holding ($1.68-billion market cap as of 6/30/20) designs and produces current and voltage transducers, where its 50% world market share makes it the industry’s global leader. Transducers are a mission-critical component of motor drives, power generators and converters, and energy measurement because they provide precise and contactless measurement of dynamic electrical current to enable safe and efficient operation.
OdontoPrev ($1.37-billion market cap as of 6/30/20) is Brazil’s and Latin America’s number one provider of dental plans. Odontoprev’s business model is not unique in the world, but its position in its home market makes it very attractive. Brazil is far and away the world’s leading dental market, with 330,000 dentists compared with the runner-up, America, with 160,000.
India’s AIA Engineering ($2.0-billion market cap, as of 6/30/20) manufactures, installs and services its proprietary high-chromium grinding media, which are performance-enhancing and energy-saving consumables serving the mining, cement and thermal power industries. More than 80% of AIA’s revenues can be considered recurring, and customer relationships tend to be long-lasting, with minimal churn.
Why the assumptions about US small and mid caps don’t apply internationally
Why are the quality characteristics of international SMID companies so different from those in the US? We think it’s largely because to achieve a market capitalization of $1 billion or more, companies hailing from countries such as Finland, New Zealand or Switzerland typically must surpass a higher hurdle than firms in the US have to clear. For an international company to reach “SMID-cap” status, we have found that it generally must be export-oriented, globally structured, innovative, and have a high to dominant share of a niche market, often one in which its US peers don’t compete effectively.
By contrast, few US SMID companies are market share leaders. We find that the asset class is dominated by “me-too” companies and those with relatively small market share, often because they have regional and not national operations. We believe very few of these companies set the global standard for their industry.
This dynamic is understandable because we’ve found US SMID companies rarely have to strive to be global leaders. They already benefit from operating in one of the easiest countries for commerce, as the US regularly places near the top in the World Bank’s annual rankings of countries for its ease of doing business.2 US SMID companies have access to a population of 330 million consumers who speak one language. They can do business under one set of national laws and regulations. And they operate in an economy that is explicitly centered around consumerism.
Investors in US equities face a dichotomy when it comes to market cap asset classes. The US excels at developing global businesses and is rightfully known for its large-capitalization and mega-cap companies. But we believe US SMID companies, as an asset class, often deserve their reputation as less reliable and more volatile investments.
International SMID companies, in our view, do not.
A quality premium at a 40% valuation discount
On almost every statistic investors use to assess the quality and financial strength of a company – from return on equity to debt-to-capital ratios – international SMID companies (as represented by the MSCI ACWI ex US SMID Cap Index), on average, far surpass the averages of their US peers (as represented by the Russell 2500 Index). On two key quality measures – return on equity and return on invested capital – the international SMID companies, on average, score 60% higher. When it comes to valuations – as indicated by the trailing 12-month trailing price/earnings ratios – these higher-quality international SMID companies have been available at just 60% of the price – (16.9 vs. 28.6 trailing P/E ratios) — as of June 30, 2020. That’s a 40% discount for higher quality.
Figure 2: International SMID stocks rank higher on multiple quality scores but have been trading at a 40% discount to their US peers
Source: FactSet, as of 6/30/20. An investment cannot be made directly into an index. Past performance is no guarantee of future results.
An overlooked opportunity
While US investors recognize the potential growth and diversification benefits US SMIDs offer – with 13.3% of their portfolios in them – they seem to have overlooked international SMIDs. According to Morningstar, they have just 0.8% of their portfolios in this asset class. Given the high quality and low valuations this asset class has offered, it seems to be an opportunity worth closer consideration.
Figure 3: US investors have less than 1% of their holdings in international SMIDs
Source: Morningstar, 6/30/20
The mention of specific companies or issuers does not constitute a recommendation by Invesco Distributors, Inc. Certain Invesco funds may hold the securities of the companies mentioned. A list of the top 10 holdings of each fund can be found by visiting invesco.com/us.
1 Source: FactSet Based on trailing 12-month price-to-earnings ratios of the MSCI ACWI ex US SMID Cap Index vs. the Russell 2500 as of 6/30/20. An investment cannot be made directly into an index. Past performance does not guarantee future results.
2 Source: World Bank, Doing Business, 2020, the US ranked 6th in ease of doing business among the 190 countries the World Bank ranked. (https://www.doingbusiness.org/en/rankings )
Important Information
Image Credit: Chaoshu Li / Stocksy
Index Definitions:
The MSCI ACWI ex USA SMID Cap Index captures mid- and small-cap representation across 22 of 23 Developed Market countries (excluding the US) and 26 Emerging Markets countries. With 5,274 constituents, the index covers approximately 28% of the free float-adjusted market capitalization in each country.
The Russell 2500 Index measures the performance of the 2,500 smallest companies in the Russell 3000 Index, with a weighted average market capitalization of approximately $4.3 billion, median capitalization of $1.2 billion and market capitalization of the largest company of $18.7 billion.
Term definitions
The dividend payout ratio is the ratio of the total amount of dividends paid out to shareholders relative to the net income of the company. It is the percentage of earnings paid to shareholders in dividends. The amount that is not paid to shareholders is retained by the company to pay off debt or to reinvest in core operations. It is sometimes simply referred to as the “payout ratio.”
The dividend yield, expressed as a percentage, is a financial ratio (dividend/price) that shows how much a company pays out in dividends each year relative to its stock price.
Operating margin measures how much profit a company makes on a dollar of sales after paying for variable costs of production, such as wages and raw materials, but before paying interest or tax. It is calculated by dividing a company’s operating income by its net sales.
Return on assets (ROA) is an indicator of how profitable a company is relative to its total assets. ROA gives a manager, investor, or analyst an idea about how efficient a company’s management is at using its assets to generate earnings. Return on assets is displayed as a percentage.
Return on equity (ROE) is a measure of financial performance calculated by dividing net income by shareholders’ equity. Because shareholders’ equity is equal to a company’s assets minus its debt, ROE is considered the return on net assets.
Return on invested capital (ROIC) is a calculation used to assess a company’s efficiency at allocating the capital under its control to profitable investments. The return on invested capital ratio gives a sense of how well a company is using its money to generate returns.
The debt-to-capital ratio is a measurement of a company’s financial leverage. The debt-to-capital ratio is calculated by taking the company’s interest-bearing debt, both short- and long-term liabilities and dividing it by the total capital. Total capital is all interest-bearing debt plus shareholders’ equity, which may include items such as common stock, preferred stock, and minority interest.
The trailing price-to-earnings (P/E) ratio is a relative valuation multiple that is based on the past 12 months of actual earnings. It is calculated by taking a company’s current stock price and dividing it by the trailing earnings per share (EPS) for the past 12 months. For an index, it is the average trailing P/E ratio of the companies in the index.
In general, stock values fluctuate, sometimes widely, in response to activities specific to the company as well as general market, economic and political conditions.
The risks of investing in securities of foreign issuers, including emerging market issuers, can include fluctuations in foreign currencies, political and economic instability, and foreign taxation issues.
Stocks of small and mid-sized companies tend to be more vulnerable to adverse developments, may be more volatile, and may be illiquid or restricted as to resale.
The opinions referenced above are those of the authors as of October 6, 2020. These comments should not be construed as recommendations, but as an illustration of broader themes. Forward-looking statements are not guarantees of future results. They involve risks, uncertainties and assumptions; there can be no assurance that actual results will not differ materially from expectations.
from Expert Investment Views: Invesco Blog https://www.blog.invesco.us.com/rethink-any-assumptions-about-international-small-and-mid-caps/?utm_source=rss&utm_medium=rss&utm_campaign=rethink-any-assumptions-about-international-small-and-mid-caps
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Internet marketing terms
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Posted by JoshMacDonald on 2016-01-17 17:43:22
Tagged: , internet , marketing , business , blogging , seo , search , engine , optimization
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How To Become Wealthy – Doctor’s 3 Step Guide
How To Become Wealthy – Doctor’s 3 Step Guide
It seems as if “good news” is hard to come by these days so I thought I’d start off by spreading some: “If you’re a doctor or other high-income professional wanting to learn how to become wealthy….GOOD NEWS!”
It’s MUCH easier than you may realize. Why? It all starts with your income….
High Income/Negative Net Worth
As doctors, I feel that we make more than enough money to become “wealthy”.
Take a look at our income vs the rest of the country:
Median household income in the U.S. is $65,000
Average physician income is close to $300,000
Average dentist income is roughly $225,000
Here’s a further breakdown:
Physician salary
Here’s the latest stats from Medscape:
Image credit: Medscape.com
Dental salary
According to U.S. News, dental specialists made the following in 2018:
Oral and Maxillofacial Surgeons made $242,370
Prosthodontists made $191,400
High debt
Unfortunately, not only do most doctors start off with a negative net worth (due to high student loan debt), they also continue to stay in this category throughout most of their careers.
Why might you ask? Simple.
They don’t practice Lesson #2 found in the book, The Richest Man In Babylon…which states to “live below your means“.
It’s not an unfamiliar concept. It’s also not that hard to accomplish but too many excuses are made such as:
“It’s hard because the more we make, the more our expenses grow.”
“My spouse pays the bills and I’m not sure what’s happening with our money each month.”
“It seems like every time I try to get ahead, something comes up that I need to pay for such as college, weddings or a new vehicle.”
Most millionaires state that finance is 80% behavior and 20% knowledge.
What this means is that even though you’re a doctor, you don’t have to become one to get rich. The key is to simply adopt and apply good money habits.
Hope that’s good news for you too.
Do You Have To Give Up Your Latte Though?
Even though I’m not a coffee drinker, I do understand what it’s like to drink a “favorite” beverage each day.
I love iced tea. Especially from Sonic.
Now before you get onto me about being a periodontist and drinking tea….I like UNsweet tea (not sweet). 🙂
Occasionally you’ll hear how in order to get rich, you must give up your favorite drink (latte, tea, etc) and invest that money instead.
David Bach
One such “financial guru” that most of his teachings are based off of this idea is David Bach.
He’s known for top selling books such as:
The Automatic Millionaire
Smart Women Finish Rich
Start Late Finish Rich
Smart Couples Finish Rich
His latest book, The Latte Factor, discusses how someone can transform their financial future by simply saving a little bit of money each week by forgoing their favorite latte.
One example in the book stated that if someone only saved $5 a day and earned 10% interest, they’d have:
1 year = $1,885
2 years = $3,967
5 years = $11,616
10 years = $30,727
15 years = $62,171
30 years = $339,073
40 years = $948,611
This chart shows just how powerful compound interest can be.
Let’s get another point of view regarding the lattes….
Grant Cardone
Real estate guru Grant Cardone has a different take on the situation.
Actually, he’s the complete opposite on what Bach and others like him teach.
Cardone states that “it’s ridiculous (stupid) to think that you’re going to get rich by passing on your latte.”
He claims that skipping the daily lattes may save you roughly $10,000 over the next five years.
But if you think that amount of money is going to be life-changing then think again.
Cardone recommends that instead of focusing on scrimping our extra lattes, turn our attention to increasing our incomes in order to be able to save something substantial.
Remember, there’s always more than one way to skin a cat.
I get that there’s multiple ways that doctors can become wealthy, but what I’d like to do for you is focus on the 5 main ways that I think are best.
Doctor’s 5 Steps – How To Become Wealthy
#1 Change the way you think about money
It’s amazing how powerful our mindset can be. When I was teaching our youngest son how to shoot free throws, he quickly became discouraged.
After multiple attempts, he stated, “I’ll never be able to make a free throw. It’s just too hard.”
I knew that I had to quickly change his mindset about his ability to make a foul shot.
After offering him a few words of encouragement and breaking the shot down into easily digestible steps, he began to quickly improve to the point that he eventually started to make them.
Your mindset about how you think about different things in life is no different, including wealth.
Your attitude about your money situation guides you on a daily basis about such things as:
how much money you can earn
how much you should spend
how much you should invest
how much you give away
This mindset drives how you make key financial decisions each day which can impact your ability to achieve your goals.
In T. Harv Eker’s book, Secrets Of The Millionaire Mind, he states:
Rich people believe “I create my life.” Poor people believe “Life happens to me.”
If you want to be wealthy, you MUST realize that you and only you are in control especially with your financial life.
Related Article: Scarcity vs Abundance Mindset – Which Do You Have?
#2 Invest in yourself
You’ve probably heard the phrase, “The BEST investment you can make is in yourself.” Mark Cuban recommended this advice to a 20 year old recently on Shark Tank after he didn’t get a deal.
It’s true.
Successful people invest time, energy, and money in improving themselves.
“Invest in yourself to get the best interest.” ― Debasish Mridha
“The most important investment you can make is in yourself.” – Warren Buffett
“Growth is the great separator between those who succeed and those who do not. When I see a person beginning to separate themselves from the pack, it’s almost always due to personal growth.” ― John C. Maxwell
How much were you taught in dental/medical school about wealth?
Probably not much.
Now if you’re NOT taught about it but want to continue to learn then it’s up to YOU to take action.
I understand that you went through a lot of training to get to where you are and the LAST thing you want to do is more schooling.
I’m not telling you what you have to do. But since you’re reading this, I figure you want to obtain wealth.
Here’s a handful of ways that I personally study wealth daily:
a. Read
Why try to re-invent the wheel? Study what other successful people do and emulate them. If you’re a coach, study other coaches that know how to win. Why make things difficult?
In study after study, most millionaires and billionaires are avid readers. Focus on books about:
growth mindset
wealth building
stock market
investing in general
real estate
health
entrepreneurship
b. Listen to podcasts
Podcasts are great especially for those of us constantly on the go. Focus on the areas that you’re lacking the most in.
Perfect times to listen are during your commute, at the gym, before bed etc.
Here’s a few podcasts to get you started.
#3 Build passive income ASAP
What is passive income?
If I had to use one word to sum up what passive income means to me, it’d have to be “freedom“.
Freedom? Yes, freedom.
The best way I can describe it takes me back to my childhood. Do you remember yours?
We never wanted for anything as my hard working blue collar dad always provided for our family.
I earned a decent income for a teenage kid operating a lawn service but never worried about money.
Both my brother and I were free to do whatever we wanted to with our friends (as long as homework was completed) and money never factored into the equation.
Some of my happiest and most memorable times happened while not having to worry or stress about money.
Why Build Passive Income?
Are you starting to realize what passive income can do for you? It gives you options to do what you want without having to worry about your active income.
As a side note, I never would have thought that so many MDs would begin losing their jobs or having their hours severely cut back until the pandemic struck.
Crispy Doc details his personal experience about this in his recent article: COVID-19 and Physician Burnout
If you want to work because you love your job then passive income allows you too. If you want to donate more time to your church or favorite charity then again, having income from other sources besides your job makes this possible.
As a doctor, your greatest wealth-building tool is your INCOME which is another reason why you should continue to invest in YOURSELF.
Get into the habit of saving money into an earmarked “passive income” account. We do this on a weekly basis and also add in the syndication distributions. Once this account grows to the point where we can invest in a new deal, we start searching until we find one that’s right for us.
Passive income benefits
If you want firsthand experience regarding how to become wealthy, then start building passive income which allows you to:
accelerate your wealth-building plan
retire early
help protect from potential loss of active income
give more
Real Estate
I realize that there’s multiple ways to build streams of passive income. For us, we learned how to become wealthy from others that already accomplished what we were shooting for.
The vast majority were investing in passive real estate syndications while working their 9-5 jobs.
Not only does real estate offer extra income streams, but the tax benefits can be incredible.
Cost segregation studies and 1031 exchanges are only two of several ways that high income earners can greatly reduce large tax bills.
The Bottom Line: Don’t Worry
As a father of two teenagers, I’ve already been through several different life stages.
My current state now is to spend as much time with our boys before they move out. Do you remember what you used to want to do as a teen? Hang out with friends, right?
It’s amazing how kids can want to spend every waking moment with you one day to only wanting to be around their friends the next day.
It’s a tough pill to swallow but it’s life. Teenage boys love to eat so most of our time now is spent eating out, hunting or fishing.
Passive income has allowed me these opportunities to spend with our boys as I realize it won’t last too much longer.
Are you ready to learn how to become wealthy?
Join the Passive Investors Circle.
The post How To Become Wealthy – Doctor’s 3 Step Guide appeared first on Debt Free Dr..
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Oral health disparities in children of color
Deamonte Driver was a 12-year-old African American child from Maryland who died from a tooth infection on Feb. 25, 2007. Ever since his mom was unable to find a Medicaid dental provider in his low socioeconomic status (SES) neighborhood, he has stood as an example for how severe oral health disparities can be for disadvantaged children in the United States, specifically those from a non-white race or ethnicity.
The effects of systemic racism have impacted communities of color for generations, in areas such as home ownership and education to the ability to earn an equitable income. It is impossible to discuss health disparities in the United States without looking at the influence of poverty and limited resources in our most vulnerable communities. For instance, data from the 2014 U.S. Census Bureau reports that, on average, Hispanic and Black populations earn 70 and 59 cents, respectively, for every dollar that white populations earn. When accounting for wealth, or a household’s net worth, Hispanic and Black populations have 7 and 6 cents, respectively, for every dollar of wealth that white populations have. According to 2018 census data, of those Americans living below the poverty line, 25.4% are Native American, 20.8% are Black and 17.6% are Hispanic, while white and Asian populations each make up 10.1%. An April 2020 Annual Review of Public Health study points out that people are more likely to have poor oral health if they are “low-income, uninsured, and/or members of racial/ethnic minority.”
Dental caries is the most common chronic disease in children, more than four times more prevalent than asthma, the Federal Interagency Forum on Child and Family Statistics says. Hispanic, Black and Native American children are two times more likely to have unmet dental needs compared to white children. Unmet dental needs such as untreated cavities can lead to extreme pain, increased emergency room visits, and lost hours at school and work. A UCLA Health Policy Research Brief showed that non-white children have more frequent school absences than their white peers due to dental problems. Notably, 80% of dental cavities are localized among 25% of children, with the majority of these being of low SES, according to a March-April 2002 Ambulatory Pediatrics study.
Barriers to care
Most oral health disparities stem from barriers to care, which are the obstacles that prevent patients from receiving medically necessary care. Access is one barrier. Children of low-income families are generally on public-based insurance, also known as Medicaid or CHIP. Unfortunately, there are not enough dentists accepting Medicaid insurances, with only 39% of dentists accepting Medicaid as of 2015, according to the Health Policy Institute. Public-based insurance reimbursements to dentists are only 49.4% of what the dental treatment would normally cost. To increase access to care for children who rely on Medicaid, there must be more dental offices who can take Medicaid insurances and continue to sustain their office operations. Numerous studies have shown a statistically significant positive relationship between Medicaid reimbursement rates (above the average 49.4%) and dentist participation in Medicaid. Therefore, if government-issued Medicaid reimbursements are closer to the national average dental fees, more dentists will be able to accept Medicaid and treat underserved communities.
Another barrier to care is that there are not enough dentists in low-income areas. One reason for this is the burden of student loan debt ($292,600 on average). The Public Service Loan Forgiveness Program, a publically funded program that encourages dentists to work in low-income areas or federally qualified health clinics by offering loan forgiveness, intends to combat this, yet according to an article in Forbes, the program has had its challenges. The article explains that 99% of students applying for loan forgiveness have been rejected because of a complicated application procedure that often renders recent graduates ineligible even after 10 years of service to underserved communities. A restructuring of this program to ensure an accepted application would encourage dentists to take advantage of this opportunity at a lower risk and provide underserved communities with the care they need.
An additional barrier that is more difficult to quantify is inherent racial/ethnic bias among providers. A January 2019 JDR Clinical & Translational Research article defines bias as “an inclination for or against a person or a group, as it allows for ones’ personal opinions to influence judgement.” In 1999, a Kaiser Family Foundation survey showed that Americans generally believe Black and white people receive the same level of health care, yet studies have shown that implicit bias negatively impacts Black and Hispanic patient care.
How can you help?
Many barriers to care for families of low SES are due to poor government aid, so one of the best things we can do is educate ourselves on the legislative process and vote. For example, funding for Medicaid is controlled by local and state governments, so it is important to research your local and state officials to put people in office who support an increase in Medicaid funding. In addition, as a dental provider, you can consider working in low-income areas or federally qualified health clinics.
One of the most effective public health measures to combat unmet dental care needs is public water supply fluoridation, which can directly prevent cavity development in children. According to a fall 2002 Journal of Public Health Dentistry article, studies show that water fluoridation also could decrease the disparities between SES populations. If a local government makes the decision to not provide water fluoridation, there will be little impact on wealthier populations that already have a lower incidence of dental decay. Low-income households, though, would gain the greatest benefit, as it would decrease their incidence of dental caries. Advocating for water fluoridation in these communities is another action we can take.
In addition, all health care providers should work to identify and combat implicit bias. According to the Institute for Healthcare Improvement, providers can do this by seeing their patients as individuals (not stereotyping them), understanding cultural differences on a foundational level, increasing opportunities to interact with diverse populations, and practicing empathy with their patients.
Recognizing the oral health disparities for people of color, especially those of a low SES, is a difficult topic to discuss. Yet it is important for dental providers to continuously be aware of these disparities and work each day to improve the care for their communities.
~ Alec Robin, DMD, Chief Pediatric Dental Resident, University of Pennsylvania/Children’s Hospital of Philadelphia, Pennsylvania ‘21
from Dental Tips https://www.asdablog.com/oral-health-disparities-in-children-of-color/
via http://www.rssmix.com/
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Oral health disparities in children of color
Deamonte Driver was a 12-year-old African American child from Maryland who died from a tooth infection on Feb. 25, 2007. Ever since his mom was unable to find a Medicaid dental provider in his low socioeconomic status (SES) neighborhood, he has stood as an example for how severe oral health disparities can be for disadvantaged children in the United States, specifically those from a non-white race or ethnicity.
The effects of systemic racism have impacted communities of color for generations, in areas such as home ownership and education to the ability to earn an equitable income. It is impossible to discuss health disparities in the United States without looking at the influence of poverty and limited resources in our most vulnerable communities. For instance, data from the 2014 U.S. Census Bureau reports that, on average, Hispanic and Black populations earn 70 and 59 cents, respectively, for every dollar that white populations earn. When accounting for wealth, or a household’s net worth, Hispanic and Black populations have 7 and 6 cents, respectively, for every dollar of wealth that white populations have. According to 2018 census data, of those Americans living below the poverty line, 25.4% are Native American, 20.8% are Black and 17.6% are Hispanic, while white and Asian populations each make up 10.1%. An April 2020 Annual Review of Public Health study points out that people are more likely to have poor oral health if they are “low-income, uninsured, and/or members of racial/ethnic minority.”
Dental caries is the most common chronic disease in children, more than four times more prevalent than asthma, the Federal Interagency Forum on Child and Family Statistics says. Hispanic, Black and Native American children are two times more likely to have unmet dental needs compared to white children. Unmet dental needs such as untreated cavities can lead to extreme pain, increased emergency room visits, and lost hours at school and work. A UCLA Health Policy Research Brief showed that non-white children have more frequent school absences than their white peers due to dental problems. Notably, 80% of dental cavities are localized among 25% of children, with the majority of these being of low SES, according to a March-April 2002 Ambulatory Pediatrics study.
Barriers to care
Most oral health disparities stem from barriers to care, which are the obstacles that prevent patients from receiving medically necessary care. Access is one barrier. Children of low-income families are generally on public-based insurance, also known as Medicaid or CHIP. Unfortunately, there are not enough dentists accepting Medicaid insurances, with only 39% of dentists accepting Medicaid as of 2015, according to the Health Policy Institute. Public-based insurance reimbursements to dentists are only 49.4% of what the dental treatment would normally cost. To increase access to care for children who rely on Medicaid, there must be more dental offices who can take Medicaid insurances and continue to sustain their office operations. Numerous studies have shown a statistically significant positive relationship between Medicaid reimbursement rates (above the average 49.4%) and dentist participation in Medicaid. Therefore, if government-issued Medicaid reimbursements are closer to the national average dental fees, more dentists will be able to accept Medicaid and treat underserved communities.
Another barrier to care is that there are not enough dentists in low-income areas. One reason for this is the burden of student loan debt ($292,600 on average). The Public Service Loan Forgiveness Program, a publically funded program that encourages dentists to work in low-income areas or federally qualified health clinics by offering loan forgiveness, intends to combat this, yet according to an article in Forbes, the program has had its challenges. The article explains that 99% of students applying for loan forgiveness have been rejected because of a complicated application procedure that often renders recent graduates ineligible even after 10 years of service to underserved communities. A restructuring of this program to ensure an accepted application would encourage dentists to take advantage of this opportunity at a lower risk and provide underserved communities with the care they need.
An additional barrier that is more difficult to quantify is inherent racial/ethnic bias among providers. A January 2019 JDR Clinical & Translational Research article defines bias as “an inclination for or against a person or a group, as it allows for ones’ personal opinions to influence judgement.” In 1999, a Kaiser Family Foundation survey showed that Americans generally believe Black and white people receive the same level of health care, yet studies have shown that implicit bias negatively impacts Black and Hispanic patient care.
How can you help?
Many barriers to care for families of low SES are due to poor government aid, so one of the best things we can do is educate ourselves on the legislative process and vote. For example, funding for Medicaid is controlled by local and state governments, so it is important to research your local and state officials to put people in office who support an increase in Medicaid funding. In addition, as a dental provider, you can consider working in low-income areas or federally qualified health clinics.
One of the most effective public health measures to combat unmet dental care needs is public water supply fluoridation, which can directly prevent cavity development in children. According to a fall 2002 Journal of Public Health Dentistry article, studies show that water fluoridation also could decrease the disparities between SES populations. If a local government makes the decision to not provide water fluoridation, there will be little impact on wealthier populations that already have a lower incidence of dental decay. Low-income households, though, would gain the greatest benefit, as it would decrease their incidence of dental caries. Advocating for water fluoridation in these communities is another action we can take.
In addition, all health care providers should work to identify and combat implicit bias. According to the Institute for Healthcare Improvement, providers can do this by seeing their patients as individuals (not stereotyping them), understanding cultural differences on a foundational level, increasing opportunities to interact with diverse populations, and practicing empathy with their patients.
Recognizing the oral health disparities for people of color, especially those of a low SES, is a difficult topic to discuss. Yet it is important for dental providers to continuously be aware of these disparities and work each day to improve the care for their communities.
~ Alec Robin, DMD, Chief Pediatric Dental Resident, University of Pennsylvania/Children’s Hospital of Philadelphia, Pennsylvania ‘21
from Dental https://www.asdablog.com/oral-health-disparities-in-children-of-color/
via http://www.rssmix.com/
0 notes
Text
Tip cheap car insurance quotes no deposit
Tip cheap car insurance quotes no deposit
Tip cheap car insurance quotes no deposit
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td ameritrade trading options course Tennessee 93.
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td ameritrade trading options course Tennessee If you are serious about options trading, then it's worth your time to try a few of these steps out today.
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level 1 options trading Tennessee )What other information can we use to figure out the right size if you're going to use more leverage?
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Going all in or full size was not the right play in this situation. You see, it's important to have some kind of perspective and understanding of the stock or ETF you're trading. The type of move we saw in UVXY is not uncommon relative to how it trades. The option investor should have been aware of this and sized smaller. Putting volatility levels into context is essential if you're going to be using options to express investment ideas. Examine the time frame?In my previous article , I share a story of one of my trades, where I had to close out a position because I was leaving to go to a dentist appointment. I bought back some short puts for $0. 10 expiring in an hour. those options that I bought back ended up closing deep ITM.
The event or headline risk would be macroeconomic as well as geopolitical. Are there any key technical levels?Some questions to ask yourself: Is a key moving average that is broken, support or resistance levels violated, a spike below or above the VWAP or whatever technical indicator you're looking at. Now, I know some option investors who don't use price charts or technical analysis; some are very successful. However, even if you don't. understand that there are other traders who do (with serious money behind them).
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70. An example of a call option contract would be:1 PKT Dec 40 Call with a premium of $500. PKT is the stock you are buying the contract on. 1 means One option contract representing 100 shares of PKT. The basic thought and learning how to trade call options in this example is you are paying $500, which is 100% at risk if you do nothing with the contract before December, but you have the right to buy 100 shares of the stock at 40. So, if PKT shoots up to 60. You can exercise the contract and buy 100 shares of it at 40. If you immediately sell the stock in the open market, you would realize a profit of 20 points or $2000. You did pay a premium of $500, so the total net gain in this options trading example would be $1500. So the bottom line is, you always want the market to rise when you are long or have purchased a call option. Trading Strategy vs. Exercising and Understanding PremiumsWith call options, the premium will rise as the market on the underlying stock rises. Buyer demand will increase. This increase in premiums allows for the investor to trade the option in the market for a profit. So you are not exercising the contract, but trading it back. The difference in the premium you paid and the premium it was sold for, will be your profit. The benefit for people looking to learn how to trade options or learn the basics of a trading strategy is you do not need to buy a stock outright to profit from it's increase with calls. What are Put Options?A put option is the reverse of a call contract. Puts allow the owner of the contract to SELL a stock at the strike price. You are bearish on the shares or perhaps the sector that the company is in. Since selling a stock short is extremely risky, since you have to cover that short and your buyback price of that stock is unknown. Bet THAT wrong and you are in a world of trouble. However, put options leave the risk to the cost of the option itself - the premium. Learning or getting information on how to trade Puts starts with the above and looking at an example of a put contract. Using the same contract as above, our anticipation of the market is completely different. 1 PKT Dec 40 Put with a premium of $500.
the best swing trading advisory services foe options Tennessee Let Option Expire - usually because the market went up and trading them is not worth it, nor is exercising your right to sell it at the strike price.
Puts allow the owner of the contract to SELL a stock at the strike price.
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but no longer in the position. The same could be said for those who sell weekly options on Thursday or Friday. the options have the potential to move very quickly. if you're sized up too much. you'll be out of the trade with a loss before you even got a chance to see the idea play out. For longer term time frames you have to be more concerned about the volatility risk. A classic example is a biotech company that announces their drug results in a couple of weeks. In anticipation, traders start buying and selling options in the contract month the announcement will be made. Of course, option volatility rises due to the uncertainty of the outcome. Again, you almost have to treat these like binary trades as well. Even if you think you've got time on your options. anything could happen. For example, they could come out and say that will not have their results ready and change the announcement date to something else. Those who bought option premium will see the value of those options lose a lot of value because of the volatility crush. (For the record, I don't usually trade biotech's because of all these wild card factors)Putting it all TogetherRelative sizing is one of the toughest things to get right as an investor or trader. If you invest for a long enough time. you're bound to get it wrong on some positions.
best options trading advisory service Tennessee Learn Options Trading - Option Strategy BasicsBefore you learn the basics about how to trade options and the strategies, it is important to understand the types, cost and risks before opening an options account for trading.
Everything they do is calculated, measured, and analyzed. You can make an easy-to-follow trading formula based on technical analysis if you want to as well. 7. Wait For OpportunitiesThis is a huge problem for novice traders. It was even an issue for me when I started trading. I would have a few stocks on my watchlist that I wanted to get into, but knew it wasn't the right time. And then when I'm not looking the stock takes off. On a few occasions, I have actually chased stocks that eventually turned against me. These types of situations hurt in 2 ways: 1) dents your ego and 2) dents your portfolio balance. If you have the same issues, don't fret. Luckily, it's been well documented that more often than not, solid annual portfolio performance is often caused by having a strong exit plan.
research papers on options trading Tennessee I know that if option volatility isn't elevated (or rich).
This article will focus on stock options vs.
options trading advice Tennessee if UVXY prices declined or even traded flat for a couple of days.
it doesn't matter if you're buying or selling premium. In many cases, if I do buy premium on an option expiring in a short time frame. I'll make it a binary trade. Basically the premium spent on the position is what I'm willing to lose. For example, if options are $0. 50 and I want to risk $500 max on the trade. I will buy 10 contracts.
investools trading options course Tennessee anything could happen.
On a few occasions, I have actually chased stocks that eventually turned against me. These types of situations hurt in 2 ways: 1) dents your ego and 2) dents your portfolio balance. If you have the same issues, don't fret. Luckily, it's been well documented that more often than not, solid annual portfolio performance is often caused by having a strong exit plan. 8. Document and Learn From Your Previous TradesEvery trade is a learning experience. Don't focus solely on losing trades, but also look at your winners. There is always something you can learn. For losing trades, look into why the trade lost or possible ways you could have prevented it from happening. Analyze your entry, the adjustments you made, the exit, and the overall market behavior. For winning trades, look into why the trade won and possible ways you could have even profited more. Analyze your entry, the adjustments you made, the exit, and the overall market behavior. If you notice, it's the same analysis for both types of trades. After a few trades, you'll begin to recognize key characteristics to why some trades win and why some trades lose. From there, you'll be able to recognize what adjustments need to be made in order to mitigate a loss or increase profit gain. 9. Continue to Learn From Successful Traders that STILL TradeWhen you have a mentor, they will often look over your shoulder and ensure that you are setting yourself up for the best trade possible for the current market. You'll know that their advice is sound when you see them trading their own recommendations. I find that it's quite suspect to receive trading advice from someone that doesn't trade themselves. If you don't think you need on-going options trading education and assistance, ask yourself these questions:� Why do professional athletes have coaches?� Why do Fortune 500 companies hire consultants?� Why does the President have advisers?The answer to all of these questions is simple:Mentors hold you accountable, help you define & reach goals, are on the outside looking in, and they can provide a wealth of knowledge when dealing with the subject matter at hand. Basically, mentors help you become BETTER traders. If you are serious about options trading, then it's worth your time to try a few of these steps out today. The more you hone in and apply a laser-like focus on your skills, the easier it will become to identify opportunities to make money in the market. Learn Options Trading - Option Strategy BasicsBefore you learn the basics about how to trade options and the strategies, it is important to understand the types, cost and risks before opening an options account for trading. This article will focus on stock options vs. foreign currencies, bonds or other securities you can trade options on. This piece will mostly focus on the buy side on the market and the trading strategies used. What is a Stock OptionAn option is the right to buy or sell a stock at the strike price. Each contract on a stock will have an expiration month, a strike price and a premium - which is the cost to buy or short the option. If the contract is not exercised before the option expires, you will lose your money invested in your trading account from that contract. It is important to learn that these instruments are riskier than owning the stocks themselves, because unlike actual shares of stock, options have a time limit. There are 2 types of contracts. Calls and Puts and How to trade them and the basics behind them. What is a Call Option and how to trade them?A call option contract gives the holder the right to buy 100 shares of the stock (per contract) at the fixed strike price, which does not change, regardless of the actual market price of the stock. An example of a call option contract would be:1 PKT Dec 40 Call with a premium of $500. PKT is the stock you are buying the contract on.
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Home Insurance Claim due to Tornado damage: Total House gone and do I have to rebuild or can I keep the money?
Home Insurance Claim due to Tornado damage: Total House gone and do I have to rebuild or can I keep the money?
Today the Joplin, MO tornado took my WHOLE HOUSE! Nothing is left to fix. Everything has to start from the ground up. I honestly don t want to rebuild. I only have 27,000 left on the house. Can I pay it off and keep the left over? Will they give me just as much as if I want to rebuild? Do you have any advice on how to handle the insurance to get the most money out of this event? Also I lost everything in the house including my paperwork listing all my personal property so I have to come up that list by memory. I need help there too!
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Does anyone know of a good health insurance company in Dubai?
Does anyone know of a good health insurance company in Dubai?
I love Dubai and am visiting there a lot. I am American and because of the international tax policy, I work sometimes in Dubai, but do not have a residence visa. I keep my residence in the States but pay taxes on the bit of consulting I do in Dubai. I do visa runs to Oman which is fun and the scenery is great. Since I am going there a lot, I would like to have a health insurance policy just to be safe. Is there a good company with reasonable rates that would accept an expat who is not a resident?
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Can you buy a car without a drivers license?
Can you buy a car without a drivers license?
My mother is looking to buy a new 2014 car from a dealership and she doesn t have her drivers license. I would be the primary driver of the car for me and my family since I m the only one with a driver license. Can we still get the car?
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In terms of premium i cant afford that people from there will going to be. i insurance, and one of Like SafeAuto. other than State Farm? 1500, and it doesnt when i get another charge motorists so much? insurance companies please Im Just roughly ? Thanks a private physician s liability I don t care too be so much cheaper. in Georgia and was to buy a house play. can someone please is cheap for 17 does your permit expire pay is $4000. but what is required and i know on the cheap in NY state? get a small car switch and is there decided that was my - can anyone recommend wondering if I should health insurance, why? If company offers non-owner s insurance? on myself lately. He a career project and to pay for it 18, and have a average cost of car just about 15% of in paying for car mine. We split up, i dont want to single person? I m 18 .
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