A financial lecture I gave back in 2007 with Dr. Arjun Chanmugam for the Johns Hopkins ED Interest Group. I have no memory of this until I saw the slides
Financial Planning is the process of assessing the income, expenses, assets and liabilities to develop a comprehensive plan to meet current and future financial goals
It works primarily through identification of major goals and putting in place an action plan to ensure adequate finances to meet those goals
It is a holistic approach that considers current financial situation, evaluates the future needs and risks involved and develop a framework to fund those needs and review the progress
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Understand the basics of Financial Planning, need for financial planning and common mistakes made in financial planning.To know more or speak with a financial planner visit: www.karvyonline.com or call us on 18004198283.
This document discusses the key concepts of financial management including its meaning, objectives, and functions. It defines financial management as the proper management of funds and acquisition and financing of long-term and short-term credits for a firm. The objectives of financial management are to ensure adequate and regular supply of funds, adequate returns to shareholders, optimum utilization of funds, safety of investments, and a sound capital structure. The functions include procurement of funds through various sources like equity, debt, retained earnings and determining the role of the financial manager in planning, financing, investing and dividend decisions.
This document discusses the basics of personal financial management. It covers creating a budget, saving money through various accounts, investing, insurance, debt management, and retirement planning. Personal financial planning involves creating a budget, planning for taxes, setting up savings, and developing a debt management plan. The document outlines different tools for managing personal finances including budgeting, various savings options for different risk tolerances, types of insurance, distinguishing good and bad debt, remedial actions for debt management, and reasons for retirement planning.
A message to GCC investment banks about trends in long and short term incentive compensation since the 2008 financial crisis. Increased emphasis on incorporating risk factors with financial measures/KPIs and enhanced corprorate governance.
Just Plans Etc is a fee-only wealth management firm founded in 1983 that provides financial planning and investment advisory services to over 100 clients. The firm specializes in tax-efficient investing and helping investors realize value from retirement plans and stock positions. Jim Ellman and Barry Mendelson have over 50 years of combined experience in growing, managing, and protecting clients' wealth. The firm utilizes Charles Schwab for custody of assets and provides access to investments 24/7.
This document discusses key concepts in business finance and financial management. It defines business finance as money and credit used in business operations. There are two types of capital: fixed capital for long-term assets, and working capital for day-to-day operations. Financial management involves optimal procurement and use of funds. Its objectives include ensuring adequate funding, minimizing costs and risks, and maximizing returns. Financial decisions encompass investment, financing, and dividends. Factors like costs, risks, and cash flows influence these decisions. Financial planning and maintaining an appropriate capital structure are also discussed.
The credit risk management team consists of Sanika Dixit, Shweta Vaidya, Sneha Salian, and Snehal Datta. Their goal is to assess and mitigate credit portfolio risks to reduce financial losses from borrower default. The BI solution enables accurate risk assessment, loss reduction, and faster reporting by analyzing key performance indicators like profit, customer growth, and credit risk at the region, product, and branch level.
Financial Planning is the process of assessing the income, expenses, assets and liabilities to develop a comprehensive plan to meet current and future financial goals
It works primarily through identification of major goals and putting in place an action plan to ensure adequate finances to meet those goals
It is a holistic approach that considers current financial situation, evaluates the future needs and risks involved and develop a framework to fund those needs and review the progress
Thank You For Watching
Subscribe to DevTech Finance
Understand the basics of Financial Planning, need for financial planning and common mistakes made in financial planning.To know more or speak with a financial planner visit: www.karvyonline.com or call us on 18004198283.
This document discusses the key concepts of financial management including its meaning, objectives, and functions. It defines financial management as the proper management of funds and acquisition and financing of long-term and short-term credits for a firm. The objectives of financial management are to ensure adequate and regular supply of funds, adequate returns to shareholders, optimum utilization of funds, safety of investments, and a sound capital structure. The functions include procurement of funds through various sources like equity, debt, retained earnings and determining the role of the financial manager in planning, financing, investing and dividend decisions.
This document discusses the basics of personal financial management. It covers creating a budget, saving money through various accounts, investing, insurance, debt management, and retirement planning. Personal financial planning involves creating a budget, planning for taxes, setting up savings, and developing a debt management plan. The document outlines different tools for managing personal finances including budgeting, various savings options for different risk tolerances, types of insurance, distinguishing good and bad debt, remedial actions for debt management, and reasons for retirement planning.
A message to GCC investment banks about trends in long and short term incentive compensation since the 2008 financial crisis. Increased emphasis on incorporating risk factors with financial measures/KPIs and enhanced corprorate governance.
Just Plans Etc is a fee-only wealth management firm founded in 1983 that provides financial planning and investment advisory services to over 100 clients. The firm specializes in tax-efficient investing and helping investors realize value from retirement plans and stock positions. Jim Ellman and Barry Mendelson have over 50 years of combined experience in growing, managing, and protecting clients' wealth. The firm utilizes Charles Schwab for custody of assets and provides access to investments 24/7.
This document discusses key concepts in business finance and financial management. It defines business finance as money and credit used in business operations. There are two types of capital: fixed capital for long-term assets, and working capital for day-to-day operations. Financial management involves optimal procurement and use of funds. Its objectives include ensuring adequate funding, minimizing costs and risks, and maximizing returns. Financial decisions encompass investment, financing, and dividends. Factors like costs, risks, and cash flows influence these decisions. Financial planning and maintaining an appropriate capital structure are also discussed.
The credit risk management team consists of Sanika Dixit, Shweta Vaidya, Sneha Salian, and Snehal Datta. Their goal is to assess and mitigate credit portfolio risks to reduce financial losses from borrower default. The BI solution enables accurate risk assessment, loss reduction, and faster reporting by analyzing key performance indicators like profit, customer growth, and credit risk at the region, product, and branch level.
The document consists primarily of photos shared on Flickr with captions and percentages. It states that 95% of teens ages 12-17 are now online and 80% of online teens are users of social media sites. A YouTube link is also included with no other text.
Universal design in education aims to help all students learn by using principles that accommodate different learning styles. It proposes a universal curriculum that can be customized to meet individual needs, allowing more students to connect with lessons regardless of their learning type. Resources on universal design discuss its potential benefits for making education accessible to all students and providing flexible options that support diverse learners.
American English is the variety of English spoken in the United States, where English is the de facto national language. While there is no official language at the federal level, 80% of the U.S. population claims English as their mother tongue and 95% claim to speak it well or very well.
This document provides information on proximity sensors, including definitions of key terms, specifications for different sensor models, installation guidelines, and material correction factors for sensing distances. It contains specifications for various inductive and capacitive proximity sensor models, including sensing distance ranges, switching frequencies, output types, power requirements, and mounting distances. Diagrams illustrate proper sensor mounting orientations and minimum spacing requirements between sensors.
This document discusses various ways that distress can be incorporated into firm valuation models. Traditional discounted cash flow models may overestimate firm value if there is a significant chance the firm will not continue as a going concern. The document outlines four approaches to account for distress in valuation:
1) Monte Carlo simulations that allow for the possibility of distress based on probability distributions of input variables.
2) Modified discounted cash flow valuation using probability-adjusted expected cash flows and updated discount rates.
3) Going concern DCF value adjusted for the probability and consequences of distress.
4) Adjusted present value model that separately values the firm with and without debt, accounting for tax benefits and expected bankruptcy costs.
E2 Detroit Conference - Starting your business and managing your capitalJames Deiotte
This document discusses managing capital for a startup business. It provides an overview of common sources of startup capital such as personal savings, friends and family, bank loans, and investor capital. It also discusses key financial reports and analysis needed for a startup including forecasts, budgets, breakeven analysis, and financial statements. Additionally, it covers focusing on cash flow by planning for startup costs, taxes, working capital management, and compensation programs.
Pressure from employees, spouses, suppliers, banks, government agencies …
Health deteriorated, family disharmony, criminal offence, give up vs hold on…
Pride, unable to meet personal commitments, get into depressed mood …
Would you like to have a company health index?
You know how to use of FDKnockout Canvas?
Develop a FDKnockout blueprint in few hours?
5 factors that affect the health of a company?
IB Business and Management (Standard Level)
All material taken from the IB Business and Management Textbook:
"Business and Management", Paul Hoang, IBID Press, Victoria, 2007
Financing Acquisitions Using Debt CapitalGreg Tobben
SC Credit Advisors provides financing advisory services for middle market acquisitions. The document includes a case study comparing two capital structures for a $100 million acquisition - a more conservatively leveraged structure with $60 million total debt and an alternative with $75 million total debt. It also discusses considerations for evaluating debt capital and different capital solutions for acquisition types such as conventional, distressed, or those involving multiple acquisitions. SC Credit Advisors aims to develop tailored financing solutions to allow clients to focus on running their businesses.
This document provides information about obtaining fully solved assignments from an assignment help service. It lists a contact email and phone number and provides details of an assignment for the course "Working capital management" including the course code, title, assignment code, coverage and due date. It then provides sample answers to 5 questions related to concepts in working capital management, including explanations of gross working capital, aggressive working capital strategies, reasons for holding cash, types of bank credit in India, inventory control models and calculating average working capital requirements.
The document discusses financing and financial evaluation for small businesses. It covers topics such as acquiring and allocating funds, sources of funding, financial statements and analysis. Specifically, it examines personal/family sources of funding, external short and long term sources, and reasons entrepreneurs need loans. It also analyzes financial statements using liquidity, leverage, operating and profitability ratios to evaluate financial health and performance. Ratios discussed include current, quick, debt, inventory turnover, average collection period and net profit margins.
This document contains sample questions and materials related to an HSA 525 final exam. It includes multiple choice questions on various topics, as well as links and instructions for homework assignments covering financial statement analysis, ratio analysis, budgeting, and other healthcare financial management topics. The materials are intended to help students prepare for the final exam in this course.
The document discusses saving, investment, and the financial system. It defines key terms like financial system, financial markets, financial intermediaries, different types of saving and investment. It also explains the market for loanable funds, how interest rates balance supply and demand, and how policies like saving incentives can increase the supply of loanable funds. The document also provides information about US Bank's savings accounts, money market accounts, and retirement accounts. It includes references to articles about US Bank partnering with Intermountain Gas and financial data on US Bank stock.
The document consists primarily of photos shared on Flickr with captions and percentages. It states that 95% of teens ages 12-17 are now online and 80% of online teens are users of social media sites. A YouTube link is also included with no other text.
Universal design in education aims to help all students learn by using principles that accommodate different learning styles. It proposes a universal curriculum that can be customized to meet individual needs, allowing more students to connect with lessons regardless of their learning type. Resources on universal design discuss its potential benefits for making education accessible to all students and providing flexible options that support diverse learners.
American English is the variety of English spoken in the United States, where English is the de facto national language. While there is no official language at the federal level, 80% of the U.S. population claims English as their mother tongue and 95% claim to speak it well or very well.
This document provides information on proximity sensors, including definitions of key terms, specifications for different sensor models, installation guidelines, and material correction factors for sensing distances. It contains specifications for various inductive and capacitive proximity sensor models, including sensing distance ranges, switching frequencies, output types, power requirements, and mounting distances. Diagrams illustrate proper sensor mounting orientations and minimum spacing requirements between sensors.
This document discusses various ways that distress can be incorporated into firm valuation models. Traditional discounted cash flow models may overestimate firm value if there is a significant chance the firm will not continue as a going concern. The document outlines four approaches to account for distress in valuation:
1) Monte Carlo simulations that allow for the possibility of distress based on probability distributions of input variables.
2) Modified discounted cash flow valuation using probability-adjusted expected cash flows and updated discount rates.
3) Going concern DCF value adjusted for the probability and consequences of distress.
4) Adjusted present value model that separately values the firm with and without debt, accounting for tax benefits and expected bankruptcy costs.
E2 Detroit Conference - Starting your business and managing your capitalJames Deiotte
This document discusses managing capital for a startup business. It provides an overview of common sources of startup capital such as personal savings, friends and family, bank loans, and investor capital. It also discusses key financial reports and analysis needed for a startup including forecasts, budgets, breakeven analysis, and financial statements. Additionally, it covers focusing on cash flow by planning for startup costs, taxes, working capital management, and compensation programs.
Pressure from employees, spouses, suppliers, banks, government agencies …
Health deteriorated, family disharmony, criminal offence, give up vs hold on…
Pride, unable to meet personal commitments, get into depressed mood …
Would you like to have a company health index?
You know how to use of FDKnockout Canvas?
Develop a FDKnockout blueprint in few hours?
5 factors that affect the health of a company?
IB Business and Management (Standard Level)
All material taken from the IB Business and Management Textbook:
"Business and Management", Paul Hoang, IBID Press, Victoria, 2007
Financing Acquisitions Using Debt CapitalGreg Tobben
SC Credit Advisors provides financing advisory services for middle market acquisitions. The document includes a case study comparing two capital structures for a $100 million acquisition - a more conservatively leveraged structure with $60 million total debt and an alternative with $75 million total debt. It also discusses considerations for evaluating debt capital and different capital solutions for acquisition types such as conventional, distressed, or those involving multiple acquisitions. SC Credit Advisors aims to develop tailored financing solutions to allow clients to focus on running their businesses.
This document provides information about obtaining fully solved assignments from an assignment help service. It lists a contact email and phone number and provides details of an assignment for the course "Working capital management" including the course code, title, assignment code, coverage and due date. It then provides sample answers to 5 questions related to concepts in working capital management, including explanations of gross working capital, aggressive working capital strategies, reasons for holding cash, types of bank credit in India, inventory control models and calculating average working capital requirements.
The document discusses financing and financial evaluation for small businesses. It covers topics such as acquiring and allocating funds, sources of funding, financial statements and analysis. Specifically, it examines personal/family sources of funding, external short and long term sources, and reasons entrepreneurs need loans. It also analyzes financial statements using liquidity, leverage, operating and profitability ratios to evaluate financial health and performance. Ratios discussed include current, quick, debt, inventory turnover, average collection period and net profit margins.
This document contains sample questions and materials related to an HSA 525 final exam. It includes multiple choice questions on various topics, as well as links and instructions for homework assignments covering financial statement analysis, ratio analysis, budgeting, and other healthcare financial management topics. The materials are intended to help students prepare for the final exam in this course.
The document discusses saving, investment, and the financial system. It defines key terms like financial system, financial markets, financial intermediaries, different types of saving and investment. It also explains the market for loanable funds, how interest rates balance supply and demand, and how policies like saving incentives can increase the supply of loanable funds. The document also provides information about US Bank's savings accounts, money market accounts, and retirement accounts. It includes references to articles about US Bank partnering with Intermountain Gas and financial data on US Bank stock.
As a Business Owner, you realize that you need funding to Start, Run or Grow your Business! What steps should you take to prepare in order for you to receive the best terms?
The document discusses key aspects of nonprofit business models and finances. It introduces components of the nonprofit business model including who/what the organization serves, how it operates, how it is financed, and where it works. It also discusses the concept of surpluses being reinvested in the organization. The document then explores differences between for-profit and nonprofit models in relation to customer fees and service costs. Key financial statements for nonprofits are outlined including the income statement, balance sheet, and rules around restricted and unrestricted assets. The importance of budgeting, variance analysis, and scenario planning are discussed to help nonprofits achieve financial sustainability while maximizing social impact.
This document summarizes key points from a chapter on compensation and incentives. It discusses different types of individual and organizational incentive plans, including piecework plans, merit pay, sales commissions, and profit sharing. It also covers theories of motivation like Maslow's hierarchy of needs and Herzberg's hygiene-motivator theory. The document provides examples of how to determine incentive awards and outlines factors to consider when designing incentive plans for different types of employees.
MHC6305 Financial Management of Healthcare OrganizationsHospit.docxannandleola
MHC6305 Financial Management of Healthcare Organizations
Hospital Performance Assessment Case Study
Eastside Memorial Hospital
Hospitals are accredited by JCAHO (Joint Commission on Accreditation of Healthcare Organizations), which is an independent not-for-profit organization sponsored by a number of professional organizations such as the American Hospital Association (AHA) and the American Medical Association (AMA). (For more information on the Joint Commission, visit their Web site at http://www.jcaho.org.) Although accreditation is optional for hospitals, it is generally required to qualify for governmental (Medicare and Medicaid) reimbursement, and hence the vast majority of hospitals apply for accreditation. Eastside passed its latest Joint Commission accreditation with flying colors, receiving an Accreditation with Full Standards Compliance, the highest of eight accreditation categories.
In recent years, competition among the four hospitals in Eastside's service area has been keen, but friendly. However, a large for-profit chain recently purchased the for-profit hospital, which has resulted in some anxiety among the managers of the other three hospitals because of the chain's reputation for aggressively increasing market share in the markets they serve.
Relevant financial and operating data for Eastside are in Tables 1 through 4, and selected industry data are in Tables 5 and 6. (Note: The industry data given in the case are for illustrative purposes only and do not represent actual data for the years specified. For a better idea of the type of comparative data actually available for hospitals, see the Ingenix Web site at http://www.hospitalbenchmarks.com.) In addition, the following information was extracted from the notes section of Eastside's 2006 Annual Report:
· A significant portion of the hospital's net patient service revenue was generated by patients who are covered either by Medicare, Medicaid, or other government programs as well as by various private plans, including managed care plans, which operate according to hospital contracts that specify discounts from charges. In general, the proportional amount of deductions is similar between inpatients and outpatients. The gross/net revenue breakdown for both inpatient and outpatient services is given below (in millions of dollars):
2002
2003
2004
2005
2006
Gross patient service revenue
Inpatient
25.16
25.275
26.117
29.148
33.216
Outpatient
4.748
5.969
6.535
9.130
11.912
Gross patient revenue
29.908
31.244
32.652
38.278
45.128
Revenue deductions
Contractual allowances
2.489
2.053
1.729
5.196
7.516
Charity care
1.759
1.955
2.127
2.506
3.030
Total deductions
4.248
4.008
3.856
7.702
10.546
Net patient service revenue
25.661
27.236
28.796
30.576
34.582
· Inventories are stated at the lower of cost, determined on a first-in, first-out basis, or market value.
· The breakdown of operating expenses between inpatient and outpatient activities for 2002 through 2006 is as follows ...
This document discusses various options for financing a business, including debt and equity financing. It addresses four key questions about financing needs and uses: how much is needed, what the funds will be used for, where to find the funds, and how they will be paid back. Debt financing involves taking a loan that must be repaid with interest, while equity financing involves raising money in exchange for ownership. Common sources of financing mentioned include bank loans, SBA loans, private investors, and crowdfunding. The business plan is identified as an important tool for communicating financing needs and managing the business.
DML Capital Group offers healthcare providers working capital by purchasing their medical insurance claims receivables. They advance 80-90% of the estimated claim value up front and the provider can continue collecting any remaining patient balances. This improves cash flow without adding debt to the provider's balance sheet. DML focuses on the creditworthiness of the insurance companies rather than the provider. Their funding can help providers meet financial obligations and expand services, with amounts available from $500k to $25 million at competitive rates.
http://bondsmakeiteasy.org This presentation in 2007 by Harvard Business School Professor Peter Tufano and Doorways to Dreams (D2D) Fund Executive Director Timothy Flacke provides information on the promise and potential of U.S. Savings Bonds.
- The document discusses how negative previous financing experiences can lead small firms to become "discouraged borrowers" who do not apply for loans due to a fear of rejection. These experiences result in less capital for the firm and more uncertainty going forward.
- It presents a model where financing experiences not only cause direct financial constraints, but also indirect "learning constraints" that inhibit a firm's ability to reduce uncertainty over time. This can trap firms in a cycle of underinvestment and stagnation.
- The model explores how perceptions gaps between a firm's perceived likelihood of rejection and the actual likelihood evolve as both the firm and lenders learn from experiences. Previous financing difficulties are found to increase these gaps and amplify both financial
The Importance of Working Capital Finance in Today's EconomyM1xchange
In today's economy, businesses of all sizes face a wide range of challenges. One of the most significant challenges is managing cash flow. Without proper management, a business can quickly find itself in financial trouble. This is where working capital finance comes in. In this post, we will explore the importance of working capital finance in today's economy and how it can help businesses stay afloat.
The document discusses strategies for reviving struggling ambulatory surgery centers (ASCs). It identifies common issues facing struggling ASCs such as non-using surgeon partners, poor accounts receivable and payable management, low reimbursement from payers, and high supply costs. It then outlines operational strategies an ASC can take including conducting an operational audit, reviewing service contracts and equipment costs, developing a new business plan, and considering options for financing. Key processes for ASC success are also discussed.
Finance refers to deciding how to spend money, as opposed to accounting which tracks money spent. Finance uses cash, time value of money, and risk to evaluate investments and their return on investment (ROI). ROI tools include payback period, internal rate of return, and net present value, but rely on estimates and projections that are open to manipulation. Political and self-interest factors also influence financial decisions. When proposing new investments, clinicians should frame the argument in terms of investment and ROI, using simple projections to estimate increased cash flow and an internal rate of return over 5% to make the strongest financial case. Hospital revenue is regulated in Maryland, aiming to include costs of uninsured in rates paid by insured. As reimbursement is fixed per
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kol...rightmanforbloodline
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kolb, Ian Q. Whishaw, Verified Chapters 1 - 16, Complete Newest Versio
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kolb, Ian Q. Whishaw, Verified Chapters 1 - 16, Complete Newest Version
TEST BANK For An Introduction to Brain and Behavior, 7th Edition by Bryan Kolb, Ian Q. Whishaw, Verified Chapters 1 - 16, Complete Newest Version
Cell Therapy Expansion and Challenges in Autoimmune DiseaseHealth Advances
There is increasing confidence that cell therapies will soon play a role in the treatment of autoimmune disorders, but the extent of this impact remains to be seen. Early readouts on autologous CAR-Ts in lupus are encouraging, but manufacturing and cost limitations are likely to restrict access to highly refractory patients. Allogeneic CAR-Ts have the potential to broaden access to earlier lines of treatment due to their inherent cost benefits, however they will need to demonstrate comparable or improved efficacy to established modalities.
In addition to infrastructure and capacity constraints, CAR-Ts face a very different risk-benefit dynamic in autoimmune compared to oncology, highlighting the need for tolerable therapies with low adverse event risk. CAR-NK and Treg-based therapies are also being developed in certain autoimmune disorders and may demonstrate favorable safety profiles. Several novel non-cell therapies such as bispecific antibodies, nanobodies, and RNAi drugs, may also offer future alternative competitive solutions with variable value propositions.
Widespread adoption of cell therapies will not only require strong efficacy and safety data, but also adapted pricing and access strategies. At oncology-based price points, CAR-Ts are unlikely to achieve broad market access in autoimmune disorders, with eligible patient populations that are potentially orders of magnitude greater than the number of currently addressable cancer patients. Developers have made strides towards reducing cell therapy COGS while improving manufacturing efficiency, but payors will inevitably restrict access until more sustainable pricing is achieved.
Despite these headwinds, industry leaders and investors remain confident that cell therapies are poised to address significant unmet need in patients suffering from autoimmune disorders. However, the extent of this impact on the treatment landscape remains to be seen, as the industry rapidly approaches an inflection point.
8 Surprising Reasons To Meditate 40 Minutes A Day That Can Change Your Life.pptxHolistified Wellness
We’re talking about Vedic Meditation, a form of meditation that has been around for at least 5,000 years. Back then, the people who lived in the Indus Valley, now known as India and Pakistan, practised meditation as a fundamental part of daily life. This knowledge that has given us yoga and Ayurveda, was known as Veda, hence the name Vedic. And though there are some written records, the practice has been passed down verbally from generation to generation.
share - Lions, tigers, AI and health misinformation, oh my!.pptxTina Purnat
• Pitfalls and pivots needed to use AI effectively in public health
• Evidence-based strategies to address health misinformation effectively
• Building trust with communities online and offline
• Equipping health professionals to address questions, concerns and health misinformation
• Assessing risk and mitigating harm from adverse health narratives in communities, health workforce and health system
Promoting Wellbeing - Applied Social Psychology - Psychology SuperNotesPsychoTech Services
A proprietary approach developed by bringing together the best of learning theories from Psychology, design principles from the world of visualization, and pedagogical methods from over a decade of training experience, that enables you to: Learn better, faster!
Histololgy of Female Reproductive System.pptxAyeshaZaid1
Dive into an in-depth exploration of the histological structure of female reproductive system with this comprehensive lecture. Presented by Dr. Ayesha Irfan, Assistant Professor of Anatomy, this presentation covers the Gross anatomy and functional histology of the female reproductive organs. Ideal for students, educators, and anyone interested in medical science, this lecture provides clear explanations, detailed diagrams, and valuable insights into female reproductive system. Enhance your knowledge and understanding of this essential aspect of human biology.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Kat...rightmanforbloodline
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
TEST BANK For Basic and Clinical Pharmacology, 14th Edition by Bertram G. Katzung, Verified Chapters 1 - 66, Complete Newest Version.
Osteoporosis - Definition , Evaluation and Management .pdfJim Jacob Roy
Osteoporosis is an increasing cause of morbidity among the elderly.
In this document , a brief outline of osteoporosis is given , including the risk factors of osteoporosis fractures , the indications for testing bone mineral density and the management of osteoporosis
Muktapishti is a traditional Ayurvedic preparation made from Shoditha Mukta (Purified Pearl), is believed to help regulate thyroid function and reduce symptoms of hyperthyroidism due to its cooling and balancing properties. Clinical evidence on its efficacy remains limited, necessitating further research to validate its therapeutic benefits.
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Hospital Management 101—How does ED get paid?
Maryland is a special case — all-payer system
Cost (what we bill) ≠ Revenue (what we receive)
– Revenue can increase or decrease based on
reimbursement scheme
– 4 separate reimbursement scheme:
1. Fee-for-service
2. Prospective Payment
3. Per diem Payment
4. Capitation
Source: Ward et al., 2006 VHA series, building a financial
case for clinical improvement
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Hospital Management 101—How does ED get paid?
1. Fee-for-service— Hospital’s heaven
provide no financial incentive for improvement
Source: Ward et al., 2006 VHA series, building a financial
case for clinical improvement
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Hospital Management 101—How does ED get paid?
2. Prospective Payment
• Medicare
• About 40% of JHH patients
Source: Ward et al., 2006 VHA series, building a financial
case for clinical improvement
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Hospital Management 101—How does ED get paid?
3. Per diem payment
• i.e. reimburse for each day of hospitalization
Source: Ward et al., 2006 VHA series, building a financial
case for clinical improvement
4. Capitation
• i.e. Kaiser Permanente
• minimal at Johns Hopkins Hospital
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Personal Finance—How Much do You Worth?
¨Understand Compound Interest
– $10,000 this year = $10,000 (1 + interest) next year
– If you think you understand the above, try to understand
this:
– $10,000 in year 2020 = $10,000/[(1+ interest)^(2020-
2008)]
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Personal Finance—How Much do You Worth?
¨Discount of Cash Flow (DCF) /Present Value
(PV) Analysis
– Estimate of how much you are worth NOW
– If you’re working solely for money, you should not work if
you win a lottery ≥ $3,833,294 today
– But we’re not working for money, right?
Sources:
Amortization Model—http://vertex42.com
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Basic Needs—Housing
¨Rent vs. Buy
– Renting hassle free, ‘cheaper’ but no gain in net worth
– Buying Usually appreciate in value (not now), interest
is tax deductible, appreciation can apply to future
purchase or tax deductions (Taxpayer Relief Act of 1997)
¨If You’ve Decided to Buy
– Try not to mortgage for more than 20 years
– avoid adjustable mortgage when interest rate is low
– Understand loan amortization (bulk of your money goes
into interest in early years)
Sources:
Amortization Model—http://vertex42.com
Tax info—http://www.bankrate.com/brm/news/real-estate/20041018a1.asp (accessed on 12-20-2007)
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Basic Needs—Car
¨Car
– All you need is a vehicle that can start when you want it
to start, and bring you to places you want to go, right?
– Maybe not…
– Bottom line—for luxury car lease for 36 months is
cheaper in cost than owning for 3 years
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Basic Needs—Debt
¨School Loans
– Deferral is the key for Federal Loans
– Pay-off the highest interest rate first—duh…
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Investment 101—Understanding Risk (β)
¨Risk (aka β)
– No pain, no gain Higher the risk, higher the return
¨Stocks, Bonds, 401(k), Traditional IRA, Roth
IRA, Hedge Funds, Mutual Funds, Foreign
Currency Exchange (FX), Precious Metals
(gold, silver, copper, etc…), orange juice, soy
bean, milk…
– No kidding, everything is ‘tradable’
– Bottom line Understand the cycles, maximize your
401(k) and IRA when possible
Sources:
IRA—http://www.ira.com (accessed on 12-10-2007)
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Take Home Pointes
¨Live a debt-free life
– You’ve already have everything, stop chasing
¨You can’t do it all
– It’s important to understand these concepts, but there are
professionals out there to help you manage your wealth