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The Julian Mitton, MD Scholarships represent a remarkable opportunity for healthcare students to receive the financial aid they need to pursue their dreams without the weight of financial stress.
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www.practicalradonc.org
Critical Review
A Burnout Reduction and Wellness Strategy:
Personal Financial Health for the Medical Trainee
and Early Career Radiation Oncologist
Trevor J. Royce MD, MS, MPH a,*, Kathleen T. Davenport MD b,
James M. Dahle MD, FACEP c,d
aDepartment of Radiation Oncology, University of North Carolina at Chapel Hill School of Medicine, Chapel Hill, North
Carolina; bDepartment of Emergency Medicine, University of North Carolina at Chapel Hill, School of Medicine, Chapel
Hill, North Carolina; cUtah Emergency Specialists, Salt Lake City, Utah; and dThe White Coat Investor, LLC, Salt Lake
City, Utah
Received 14 January 2019; revised 16 February 2019; accepted 22 February 2019
Abstract
Purpose: Physician burnout is reported in more than one out of every 2 practicing clinicians and is
just as prevalent in training physicians. Burnout severity is also associated with increasing levels of
financial debt. Medical professionals are notable for their high and increasing levels of debt; despite
this, financial literacy is poor among physicians, and financial education is largely absent from
medical education. Radiation oncologists (ROs) are no different in this regard, with 33% of res-
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review 4 basic tenets of personal financial health for the young medical professional: debt,
behavior, investment, and asset protection strategies.
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employment income. Debt strategy involves minimizing debt accrual, understanding student loans,
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lating worth and a savings rate, budgeting, and frugal living. The basics of investing include
asset allocation, diversification, rebalancing, and minimizing expenses. Finally, asset protection
includes insuring against catastrophic events with disability, life, health, liability, and property
insurance.
Conclusions: Healthy financial practices can lead to FI and may facilitate professional and personal
freedoms with the goal of mitigating burnout-associated stressors. The tenets of strong financial
health for ROs in the early stages of their career include sound debt, behavioral, investment, and
asset protection strategies. Furthermore, initial and continuing financial education is an overlooked
Sources of support: This work had no specific funding.
Disclosures: Dr Dahle is the founder and editor of The White Coat Investor, LLC.
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Personal Financial Health for the Medical Trainee
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Trevor J. Royce MD, MS, MPH a,*, Kathleen T. Davenport MD b,
James M. Dahle MD, FACEP c,d
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City, Utah
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Abstract
Purpose: Physician burnout is reported in more than one out of every 2 practicing clinicians and is
just as prevalent in training physicians. Burnout severity is also associated with increasing levels of
financial debt. Medical professionals are notable for their high and increasing levels of debt; despite
this, financial literacy is poor among physicians, and financial education is largely absent from
medical education. Radiation oncologists (ROs) are no different in this regard, with 33% of res-
idents reporting high levels of burnout symptoms, 33% carrying >$200,000 of educational debt,
and 75% reporting being unprepared to handle future financial decisions. To fill this gap, we
reviewed the basic tenets of personal financial health for the early career RO.
Methods and materials: The core concept of financial independence (FI) is introduced, and we
review 4 basic tenets of personal financial health for the young medical professional: debt,
behavior, investment, and asset protection strategies.
Results: FI is achieved by saving until the desired quality of life can be maintained, independent of
employment income. Debt strategy involves minimizing debt accrual, understanding student loans,
and having a debt management plan. Behavioral strategy involves setting financial goals, calcu-
lating worth and a savings rate, budgeting, and frugal living. The basics of investing include
asset allocation, diversification, rebalancing, and minimizing expenses. Finally, asset protection
includes insuring against catastrophic events with disability, life, health, liability, and property
insurance.
Conclusions: Healthy financial practices can lead to FI and may facilitate professional and personal
freedoms with the goal of mitigating burnout-associated stressors. The tenets of strong financial
health for ROs in the early stages of their career include sound debt, behavioral, investment, and
asset protection strategies. Furthermore, initial and continuing financial education is an overlooked
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Surname 1
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Forgiving Students’ Loan
Students’ debts in the United States are a sort of financial support that has to be paid back, in contrary to other kind of financial support like as scholarships and releases (Bryfonski, 70). Students’ debts play a huge role in U.S. higher studies. Around 20 million Americans join college every year. Out of that 20 million, nearly 20 million or 60% take debt annually to cover costs. In Europe, for instance, advance education is in addition subsidized for learners and financially aided by government. In fraction of Asia and Latin America maximum after secondary education is still private with small financial support by the governments. Whatsoever, in the U.S. many of college is financially aided by learners and their relatives with government bodies being financially aided in fraction by state and localized taxation, and combined private with public bodies through extra rewards from social welfare and students. The interest rate currently is 3.4% per annum, wherein debates are in to increase it to 6.8% p.a, which seems to be the exact double of the current interest rates (Szmigin et al, 602).
Every week, new petitions popups emerge urging the government to forgive all students debts. The argument is that forgiveness of students loans will stimulate job growth and overall economy growth and will lead more people to get an education. But, it will never be an investment for collective growth as a country (Field, 2007). The theory is simple, if we provide one time bailout of students loan debts, it would stimulate and uplift the sluggish economy. After all, college graduates are the people, who are required by the society to do things like improve business, purchase homes, and cars, make discoveries , invent new things, initiate new ideas, have families, have kids and people burdened with loans do not likely make such investment of take such initiatives.
Drawing reference from Kelly’s, Forgiving Loans of Those in Public Service Grows Popular, but Programs Are Unproven, it can be said that unburdening them will improve the housing market commodity market, stock market and would eventually result in overall economic growth. With the acceptance of this proposal by the President, millions of people in America, would all of a sudden have hundreds, in some cases, thousands of dollars in their pockets to invest in various industries and contribute to the overall improvement of economy (Field, 2007).
Education loans have become the latest financial crisis in USA and if absolutely nothing is done, then the entire economy will eventually become slugging, as it happened earlier. Those who are burdened with student loan debts, do not even think of making any investments etc., while the economy desperately needs people to indulge into activities which would help us pull ourselves out of the giant hole created thus the reason for unburdening students’ loan (students loan, 1990). This particula ...
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Peer response’s # 2Rules Please try not to make the responses s.docx
Peer response’s # 2
Rules: Please try not to make the responses super lengthy, contribute one fact AND include references
HMGT 420
· Wk#3
Talar posted Jun 4, 2016 11:57 PM
Patients who have complex health needs require not only medical. But also social services and support from a variety of caregivers and providers. Facility managers who are part of care coordination could assist patient in receiving optimal care by addressing the challenges in coordinating care for these patients, and offer programmatic changes and policies that help deliver the best services to all patients.
Facility managers can come up with strategic plans based on prior data and make necessary changes based on preexisting conditions. “Patient- centered, comprehensive, coordinated, and accessible care that continuously improved through a systems-based approach to quality and safety” (AHRQ, 2012) are what’s needed to achieve the highest quality care possible in any health care facility.
Patient centered care can’t be achieved with providers only. It requires team work and collaboration among all stakeholders. To improve the quality and safety of patients, health care facility managers can work hand and hand with the coordinated team to provide a system based approach by drawing on decision-support tools, taking into account patient experience, and using population health management approach. Patient preference and needs on what aspects of care to be improved.
Respond to Talar here:
· Vanscoy, Week 3
Sarah posted Jun 5, 2016 11:07 AM
As a facility manager, and part of the care coordination team, I would look into models of care that would assist our situation. With the Affordable Care Act in place, there are accountable care organizations (ACOs), which provide models of care (“Promise,” 2013). There are many different definitions and perspectives on care coordination, but all lead to the goal of meeting patient needs and providing adequate healthcare (“Care,” 2014).
Care coordination is essential because each patient can interact with a variety of professionals each visit. For example, for a routine physical appointment, the patient could meet with the scheduling staff, medical assistants, nurses, doctors, pharmacists, and the billing staff. If each one of these member fails to coordinate as a whole, the patient could be harmed or neglected. As a care coordinator, I would be responsible for discussing an individualized care plan with each patient and ensuring that they understand their responsibilities. All barriers should be identified, such as financial, social (language), psychological, and anything that would effect the patient from following their correct plan of care and interacting with the staff (“Promise,” 2013). Another key point is to ensure the medical staff has reviewed the patient’s medical records and ensure that everyone is on the same page. These are just a few examples, because each case is different and each patient will have different needs. .
Wellness and HealthWellness refers to the state of bein.docx
Wellness and Health
Wellness refers to the state of being in good health. Wellness is essential for one to work effectively so that the set goals are met. For the goals to be realized, all the seven areas of health are important because they are connected. The first area of health is education. Education is one of the indicators of life outcomes, for instance, social status, employment, and income and can also be used to predict wellbeing and attitude (Anderson, 2015). Other people apply education as a tool that helps them in shaping their social identity and establishing an understanding of their environment. Education shapes the social identity on how people relate with each other in society. A positive social identity is characterized by positive results, such as increased health status, wellbeing, political engagement, and social trust. Currently, a lot of emphases has been placed on education, and therefore those with lower education find it much challenging to positively identify themselves socially hence negatively affecting their self-esteem and wellbeing (Anderson, 2015).
Individuals with higher education levels tend to develop much interest to vie for political positions than those with lower levels of education. These educated individuals also have got more social trust than their uneducated counterparts — several studies confirmed that there are a number of health benefits of education. Baum &Payea (2013) explains that a more educated person has a higher probability of getting a good job with health-promoting packages such as health insurance. On the other hand, those with low education have higher chances of doing risky jobs. Those individuals who are more educated are subjected to more earnings. A Population Survey conducted by the U.S. Department of Labor and the United States Bureau of Labor Statistics in 2012 confirmed that college graduates registered twice as many average earnings than their colleagues who had dropped out of high school and one and a half higher than those who had graduated from high school (Baum &Payea, 2013).
The families that earn more income are in a position to buy healthy food, can get time to perform exercises and can afford to pay for health services and transport cost. Consequently, low level of education brings about job insecurity, poor pay and the vulnerability of these individuals and their families are much higher during hard times leading to poor housing, malnutrition, and inability to afford medical services. Individuals with higher education levels and therefore, have got higher incomes do not suffer from health-related stress that is attached to chronic social and economic hardships (Baum &Payea, 2013). The category of individuals with lower levels of education has limited resources such as social support, a feeling of control over life, and high self-esteem to counter the stress.
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Digital Transformation Frameworks: Driving Digital Excellence
[To download this presentation, visit:
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
How are Lilac French Bulldogs Beauty Charming the World and Capturing Hearts....
“After being the most listed dog breed in the United States for 31
years in a row, the Labrador Retriever has dropped to second place
in the American Kennel Club's annual survey of the country's most
popular canines. The French Bulldog is the new top dog in the
United States as of 2022. The stylish puppy has ascended the
rankings in rapid time despite having health concerns and limited
color choices.”
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BASIC BANKING SERVICE’S A WAY FOR PAVE FINANCIAL INCLUSION DIMENSION
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NURS 6050C: Policy and Advocacy for Improving Population Health
INITIAL POST
Economic Challenges of Healthcare Policy
The economics of the healthcare system in the United States is complex and fragmented. Costs associated with care and the prices healthcare consumers pay are determined by a wide variety of factors making it extremely difficult to find a one size fits all solution. Knickman and Kovner (2015) argue that healthcare is neither a commodity or a service, because of the high variabilities in need, cost, and consumption. The United States spends 80% of all healthcare revenue on just 20% of the population. Health insurance can be provided by the government, the private sector, or an employer. Some citizens do not have any form of healthcare coverage. Regardless of type, insurance coverage generally only pays a portion of the total healthcare cost leaving the consumer to pay the remaining balance. Moreover, reimbursement standards differ for facilities and providers. The government reimburses healthcare facilities, such as hospitals a fixed amount per patient, which creates a higher incentive to work efficiently. Healthcare providers, on the other hand, are reimbursed based on a fee for service model, meaning the more services they provide, the more money they are reimbursed (Knickman & Kovner, 2015).
Reindart (2010) maintains the passage of the Affordable Care Act (ACA) created more strain on the system by adding approximately 30 million uninsured Americans to the market. The projected cost to provide such coverage is around 8 billion to 1 trillion dollars over the next decade. However, the estimated expense of healthcare with no legislative intervention is 35 trillion dollars over the next decade (Reindart, 2010). Laureate Education (2012) contends that the human resources required to provide healthcare to an additional 30 million people is another consideration the ACA does not address. The United States is already experiencing staff shortages for key healthcare jobs like nurses and physicians. Additionally, with baby boomers retiring from the workforce and simultaneously needing more healthcare resources as they age will inevitably exacerbate the shortage of providers (Laureate Education, 2012).
Ethical Considerations
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Creating adaptable communities summary from Empowering Adaptable Communities ...
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Surname 1
Name
Instructor
Course
Date
Forgiving Students’ Loan
Students’ debts in the United States are a sort of financial support that has to be paid back, in contrary to other kind of financial support like as scholarships and releases (Bryfonski, 70). Students’ debts play a huge role in U.S. higher studies. Around 20 million Americans join college every year. Out of that 20 million, nearly 20 million or 60% take debt annually to cover costs. In Europe, for instance, advance education is in addition subsidized for learners and financially aided by government. In fraction of Asia and Latin America maximum after secondary education is still private with small financial support by the governments. Whatsoever, in the U.S. many of college is financially aided by learners and their relatives with government bodies being financially aided in fraction by state and localized taxation, and combined private with public bodies through extra rewards from social welfare and students. The interest rate currently is 3.4% per annum, wherein debates are in to increase it to 6.8% p.a, which seems to be the exact double of the current interest rates (Szmigin et al, 602).
Every week, new petitions popups emerge urging the government to forgive all students debts. The argument is that forgiveness of students loans will stimulate job growth and overall economy growth and will lead more people to get an education. But, it will never be an investment for collective growth as a country (Field, 2007). The theory is simple, if we provide one time bailout of students loan debts, it would stimulate and uplift the sluggish economy. After all, college graduates are the people, who are required by the society to do things like improve business, purchase homes, and cars, make discoveries , invent new things, initiate new ideas, have families, have kids and people burdened with loans do not likely make such investment of take such initiatives.
Drawing reference from Kelly’s, Forgiving Loans of Those in Public Service Grows Popular, but Programs Are Unproven, it can be said that unburdening them will improve the housing market commodity market, stock market and would eventually result in overall economic growth. With the acceptance of this proposal by the President, millions of people in America, would all of a sudden have hundreds, in some cases, thousands of dollars in their pockets to invest in various industries and contribute to the overall improvement of economy (Field, 2007).
Education loans have become the latest financial crisis in USA and if absolutely nothing is done, then the entire economy will eventually become slugging, as it happened earlier. Those who are burdened with student loan debts, do not even think of making any investments etc., while the economy desperately needs people to indulge into activities which would help us pull ourselves out of the giant hole created thus the reason for unburdening students’ loan (students loan, 1990). This particula ...
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This literature review explores the effects of financial stress and debt on students from low-income backgrounds ("widening participation" or WP students) and how universities support them. It finds that while total debt does not deter university applications, perceived debt plays a role. WP students are more debt-averse. Financial stress correlates with poor mental health and 10% of students withdraw due to financial difficulties. The review recommends improving financial education, advising, and support services and paying student loans monthly rather than in lump sums to improve access, retention, and students' financial skills.
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HMGT 420
· Wk#3
Talar posted Jun 4, 2016 11:57 PM
Patients who have complex health needs require not only medical. But also social services and support from a variety of caregivers and providers. Facility managers who are part of care coordination could assist patient in receiving optimal care by addressing the challenges in coordinating care for these patients, and offer programmatic changes and policies that help deliver the best services to all patients.
Facility managers can come up with strategic plans based on prior data and make necessary changes based on preexisting conditions. “Patient- centered, comprehensive, coordinated, and accessible care that continuously improved through a systems-based approach to quality and safety” (AHRQ, 2012) are what’s needed to achieve the highest quality care possible in any health care facility.
Patient centered care can’t be achieved with providers only. It requires team work and collaboration among all stakeholders. To improve the quality and safety of patients, health care facility managers can work hand and hand with the coordinated team to provide a system based approach by drawing on decision-support tools, taking into account patient experience, and using population health management approach. Patient preference and needs on what aspects of care to be improved.
Respond to Talar here:
· Vanscoy, Week 3
Sarah posted Jun 5, 2016 11:07 AM
As a facility manager, and part of the care coordination team, I would look into models of care that would assist our situation. With the Affordable Care Act in place, there are accountable care organizations (ACOs), which provide models of care (“Promise,” 2013). There are many different definitions and perspectives on care coordination, but all lead to the goal of meeting patient needs and providing adequate healthcare (“Care,” 2014).
Care coordination is essential because each patient can interact with a variety of professionals each visit. For example, for a routine physical appointment, the patient could meet with the scheduling staff, medical assistants, nurses, doctors, pharmacists, and the billing staff. If each one of these member fails to coordinate as a whole, the patient could be harmed or neglected. As a care coordinator, I would be responsible for discussing an individualized care plan with each patient and ensuring that they understand their responsibilities. All barriers should be identified, such as financial, social (language), psychological, and anything that would effect the patient from following their correct plan of care and interacting with the staff (“Promise,” 2013). Another key point is to ensure the medical staff has reviewed the patient’s medical records and ensure that everyone is on the same page. These are just a few examples, because each case is different and each patient will have different needs. .
Wellness and HealthWellness refers to the state of bein.docx
Wellness and Health
Wellness refers to the state of being in good health. Wellness is essential for one to work effectively so that the set goals are met. For the goals to be realized, all the seven areas of health are important because they are connected. The first area of health is education. Education is one of the indicators of life outcomes, for instance, social status, employment, and income and can also be used to predict wellbeing and attitude (Anderson, 2015). Other people apply education as a tool that helps them in shaping their social identity and establishing an understanding of their environment. Education shapes the social identity on how people relate with each other in society. A positive social identity is characterized by positive results, such as increased health status, wellbeing, political engagement, and social trust. Currently, a lot of emphases has been placed on education, and therefore those with lower education find it much challenging to positively identify themselves socially hence negatively affecting their self-esteem and wellbeing (Anderson, 2015).
Individuals with higher education levels tend to develop much interest to vie for political positions than those with lower levels of education. These educated individuals also have got more social trust than their uneducated counterparts — several studies confirmed that there are a number of health benefits of education. Baum &Payea (2013) explains that a more educated person has a higher probability of getting a good job with health-promoting packages such as health insurance. On the other hand, those with low education have higher chances of doing risky jobs. Those individuals who are more educated are subjected to more earnings. A Population Survey conducted by the U.S. Department of Labor and the United States Bureau of Labor Statistics in 2012 confirmed that college graduates registered twice as many average earnings than their colleagues who had dropped out of high school and one and a half higher than those who had graduated from high school (Baum &Payea, 2013).
The families that earn more income are in a position to buy healthy food, can get time to perform exercises and can afford to pay for health services and transport cost. Consequently, low level of education brings about job insecurity, poor pay and the vulnerability of these individuals and their families are much higher during hard times leading to poor housing, malnutrition, and inability to afford medical services. Individuals with higher education levels and therefore, have got higher incomes do not suffer from health-related stress that is attached to chronic social and economic hardships (Baum &Payea, 2013). The category of individuals with lower levels of education has limited resources such as social support, a feeling of control over life, and high self-esteem to counter the stress.
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https://www.oeconsulting.com.sg/training-presentations]
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3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
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6:个人职称评审加20分
7:个人信誉贷款加10分
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永久可查学历认证【微信：A575476】【(QMUE毕业证书)英国爱丁堡玛格丽特女王大学毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Industrial Tech SW: Category Renewal and Creation
Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
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- 1. Dr. Julian Mitton's Impact on Patient-Centered Care A career in healthcare is both noble and rewarding, but the cost of education can often pose a significant obstacle for aspiring healthcare professionals. Scholarships have emerged as a powerful tool to alleviate the burden of student debt and open doors to a promising future in the medical field. The Julian Mitton, MD Scholarships represent a remarkable opportunity for healthcare students to receive the financial aid they need to pursue their dreams without the weight of financial stress. In this article, we will delve into the benefits of these scholarships and shed light on the diverse opportunities available for healthcare students. Types of Scholarships for Healthcare Students Scholarships serve as a means to finance education without the obligation of repayment. They can be awarded based on a variety of criteria, including academic merit, leadership skills, community service, and financial need. Julian Mitton, MD Scholarships exemplify the potential for healthcare students to obtain financial assistance and follow their career aspirations without the specter of debt looming overhead.