http://www.modernmedicine.com/modernmedicine/Personal+Finance/Article/list/40225 Are you looking to examine articles about the financial state of the healthcare industry? Modern Medicine offers an entire section dedicated to personal finance. 2009-11-21T09:11:46Z http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Roth-IRAs-Get-ready-for-2010/ArticleStandard/Article/detail/641551?contextCategoryId=40225&ref=25 Starting Jan. 1, 2010, you will have a new opportunity to accumulate wealth in a tax-free piggy bank. 2009-11-06T05:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/462009/641551null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Protecting-your-investment-portfolio/ArticleStandard/Article/detail/641552?contextCategoryId=40225&ref=25 Investors should consider obtaining a qualified second opinion when concerned about "bleeding" of portfolio values due to market losses. 2009-11-06T05:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/462009/641552null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Cost-of-living-Plan-financial-future-with-long-ter/ArticleStandard/Article/detail/639586?contextCategoryId=40225&ref=25 Political considerations aside, President Obama's fiscal policies are likely to serve eventually as a stimulant to growth in our economy. That's why I believe that it's time to take the likelihood of long-term inflation into account as you plan your financial future. 2009-11-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/452009/639586null XML http://urologytimes.modernmedicine.com/urologytimes/Practice+Management/Roth-IRA-restrictions-will-lift-in-2010/ArticleStandard/Article/detail/638694?contextCategoryId=40225&ref=25 Looking for a financial adviser? With this list of the 150 best financial advisers for physicians, there are plenty to choose from. 2009-11-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/452009/638694null REMOTE http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Group-practice-pitfalls-New-financial-threats-dema/ArticleStandard/Article/detail/639574?contextCategoryId=40225&ref=25 If you think medicine is a difficult business today, you are about to face your largest financial challenge ever. There is an approaching confluence of events that could have a significant financial impact on most doctors, unless you do something to protect yourself. 2009-11-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/452009/639574null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Roth-IRA-restrictions-will-lift-in-2010/ArticleStandard/Article/detail/637923?contextCategoryId=40225&ref=25 2010 will be a pivotal year for retirement planning, as it will be the first time taxpayers will be able to convert funds in regular IRAs to Roth IRAs, regardless of their income level. 2009-11-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/442009/637923null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Roth-conversion-Is-it-the-right-strategy-for-you/ArticleStandard/Article/detail/635861?contextCategoryId=40225&ref=25 Deciding on a traditional versus Roth IRA calls into consideration several factors, including tax rates. 2009-10-23T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/432009/635861null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Too-many-credit-accounts/ArticleStandard/Article/detail/635863?contextCategoryId=40225&ref=25 Too much available credit can hurt your credit score. 2009-10-23T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/432009/635863null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Whats-an-indemnity-benefit/ArticleStandard/Article/detail/631648?contextCategoryId=40225&ref=25 Some of the long-term care insurance policies I am researching allow for an indemnity benefit. Can you explain what that means and what advantages it may provide? 2009-10-09T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/412009/631648null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Get-your-retirement-plans-back-on-track/ArticleStandard/Article/detail/631652?contextCategoryId=40225&ref=25 The decision about when to retire varies considerably from physician to physician and hinges on numerous factors, from age, health, and lifestyle to available assets, debt, and responsibilities. 2009-10-09T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/412009/631652/Picture-3_flash.jpg XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Making-changes-to-long-term-care-policies/ArticleStandard/Article/detail/631653?contextCategoryId=40225&ref=25 Are there any types of policies that allow me to change my policy benefits in the future? 2009-10-09T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/412009/631653null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Avoiding-the-wash-sale-rule/ArticleStandard/Article/detail/631645?contextCategoryId=40225&ref=25 My investment portfolio has declined significantly in the last 18 months. Are there any tax benefits owed to me? 2009-10-09T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/412009/631645null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/How-to-turn-a-stock-market-loss-into-tax-savings/ArticleStandard/Article/detail/633627?contextCategoryId=40225&ref=25 Last year's market selloff led many investors to take advantage of some unique tax planning opportunities. 2009-10-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/422009/633627null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/The-150-best-financial-advisers-for-doctors/ArticleStandard/Article/detail/625601?contextCategoryId=40225&ref=25 To help you get control of your financial future, Medical Economics offers our annual exclusive list of the 150 best financial advisers for doctors. 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625601/150_flash.jpg XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Surprise-corporate-earnings-can-fool-investors/ArticleStandard/Article/detail/625579?contextCategoryId=40225&ref=25 The Dow is up; more public corporations have been reporting positive quarterly earnings—but which companies are really performing well? 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625579null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-When-your-adjustable-rate-mortgage-increases/ArticleStandard/Article/detail/625600?contextCategoryId=40225&ref=25 I have an adjustable-rate mortgage that I've had no problem paying, but it's about to go up in a few months and I'm afraid it'll be too expensive. What can I do? 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625600null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-When-to-save-when-to-pay-off-debt/ArticleStandard/Article/detail/625582?contextCategoryId=40225&ref=25 A general rule when deciding between paying down debt or savings is to estimate the difference between the interest rate of the debt and potential return on investment. 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625582null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-How-a-car-purchase-affects-your-credit-score/ArticleStandard/Article/detail/625578?contextCategoryId=40225&ref=25 A little-known fact about credit scores is that generally automobile financing uses a unique set of scores. 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625578null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/New-credit-card-law-could-mean-higher-fees-for-con/ArticleStandard/Article/detail/625585?contextCategoryId=40225&ref=25 Recent changes in credit card laws will likely affect everyone in ways both positive and negative. 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625585null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Keys-to-maintaining-a-good-credit-score/ArticleStandard/Article/detail/625598?contextCategoryId=40225&ref=25 I have several credit cards, two of which have sizable balances. Is there a way I can manage my debt in a way that improves my credit score? 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625598null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/2009-earnings-survey-How-do-you-compare/ArticleStandard/Article/detail/625574?contextCategoryId=40225&ref=25 A rough year for the U.S. economy had little negative impact on the income of physicians, according to the results of Medical Economics' 2009 Exclusive Survey. 2009-09-18T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/372009/625574/cover_story_flash.jpeg XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Figuring-out-when-the-kiddie-tax-applies-to-/ArticleStandard/Article/detail/621952?contextCategoryId=40225&ref=25 My daughter is a 19-year-old, part-time student in college. Are we subject to "kiddie tax"? 2009-09-04T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/352009/621952null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Determining-capital-gains-tax-amounts/ArticleStandard/Article/detail/621933?contextCategoryId=40225&ref=25 When I sell stocks, how do I know my basis in order to determine the capital gains tax? 2009-09-04T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/352009/621933null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Is-it-better-to-make-a-charitable-donation-i/ArticleStandard/Article/detail/621949?contextCategoryId=40225&ref=25 If you do not have stocks with gains, you are better off donating cash. 2009-09-04T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/352009/621949null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Converting-an-IRA-to-a-Roth/ArticleStandard/Article/detail/621941?contextCategoryId=40225&ref=25 How can I convert my individual retirement account into a Roth IRA? 2009-09-04T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/352009/621941null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Whats-the-difference-between-a-529-and-a-Cov/ArticleStandard/Article/detail/621936?contextCategoryId=40225&ref=25 What is the difference between a 529 plan and a Coverdell Education Savings Account? 2009-09-04T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/352009/621936null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Are-you-factoring-inflation-into-your-retirement-p/ArticleStandard/Article/detail/624484?contextCategoryId=40225&ref=25 During our working years, we justify the negative impact of inflation by relying on the expectation that our incomes will rise at levels consistent with or above inflation. Unfortunately, many of today's physicians are experiencing just the opposite. 2009-09-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/372009/624484null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Preventive-medicine-Avoid-common-physician-estate-/ArticleStandard/Article/detail/622611?contextCategoryId=40225&ref=25 Like many successful people, physicians are often so busy dealing with their practices and personal lives that they never take the time to deal with the important challenge of creating a tax-wise estate plan for their families. In fact, in our practices, we have found that fewer than 5 percent of doctors had a proper estate plan in place when we met. 2009-09-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/362009/622611null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/On-the-horizon-Deciding-when-to-collect-your-Socia/ArticleStandard/Article/detail/622595?contextCategoryId=40225&ref=25 Whether your retirement is off in the distance or just over the horizon, eventually you will have to decide when to start drawing your Social Security benefits. That decision will have a significant effect on your financial future. The more you know about your options, the better your chance for making the decision that is right for you. 2009-09-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/362009/622595null XML http://www.modernmedicine.com/modernmedicine/Medical+Economics+CME/First-seizures/CME/Article/detail/619888?contextCategoryId=40225&ref=25 2009-08-21T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/cme/memag/342009/619888null REMOTE http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Whats-a-self-directed-IRA/ArticleStandard/Article/detail/618854?contextCategoryId=40225&ref=25 The self-directed IRA can be invested in any investment the IRA custodian and the IRS allow. 2009-08-21T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/332009/618854null XML http://www.modernmedicine.com/modernmedicine/Medical+Economics/Revamping-your-practices-retirement-plan/ArticleStandard/Article/detail/616617?contextCategoryId=40225&ref=25 Now may be the time to review your original goals for having a retirement plan, then evaluate whether your plan is meeting those goals. 2009-08-21T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/322009/616617null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Second-Opinions-Family-Health-Care/ArticleStandard/Article/detail/618860?contextCategoryId=40225&ref=25 The challenge: Selling a practice without a broker's help 2009-08-21T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/332009/618860null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Tired-of-hearing-buy-and-hold/ArticleStandard/Article/detail/618871?contextCategoryId=40225&ref=25 Does the same old "buy-and-hold" strategy still have a pulse for those of us in our fifties, sixties, and older? 2009-08-21T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/332009/618871null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-An-exit-strategy-for-retiring-doctors/ArticleStandard/Article/detail/618849?contextCategoryId=40225&ref=25 I'm starting to consider an exit strategy for when I'm ready to retire from my practice. What do I need to know about handling the sale of my building, tax planning, retirement options, etc.? 2009-08-21T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/332009/618849null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Medicares-2010-pay-plan-favors-primary-care-doctor/ArticleStandard/Article/detail/615534?contextCategoryId=40225&ref=25 Primary care physicians with Medicare patients could see a 6 to 8 percent payment boost from the Centers for Medicare & Medicaid Services in 2010. 2009-08-07T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/312009/615534null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Whats-a-cafeteria-health-plan/ArticleStandard/Article/detail/615522?contextCategoryId=40225&ref=25 Adopting a cafeteria plan will allow you and your employees to not only pay health insurance premiums on a pre-tax basis, but also unreimbursed medical expenses, dental expenses, eye care, and pharmaceuticals. 2009-08-07T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/312009/615522null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Madoff-revisited/ArticleStandard/Article/detail/615536?contextCategoryId=40225&ref=25 It is extremely important that you receive proof that there are accounts holding your plan assets. 2009-08-07T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/312009/615536null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-First-time-homebuyer-credit-documentation/ArticleStandard/Article/detail/615523?contextCategoryId=40225&ref=25 Although I filed my 2008 return, the IRS subtracted the $8,000 first-time homebuyer credit and sent me a letter requesting additional information. Does the credit still exist? 2009-08-07T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/312009/615523null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Who-should-receive-a-deceased-employees-bene/ArticleStandard/Article/detail/615525?contextCategoryId=40225&ref=25 My nurse recently died and her beneficiary designation form states that her retirement plan assets should go to her former spouse. Since she completed the form years before her divorce, should I honor it? 2009-08-07T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/312009/615525null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Dispelling-the-myth-Despite-misconceptions-asset-p/ArticleStandard/Article/detail/616241?contextCategoryId=40225&ref=25 As consultants to hundreds of physicians, we encounter many misconceptions about asset protection planning everyday. In this article, we will address the most important of all misconceptions regarding asset protection — that this area of planning is not important, because physicians practically, don't lose assets to medical malpractice lawsuits. 2009-08-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/322009/616241null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Timing-may-be-right-to-re-examine-your-portfolio/ArticleStandard/Article/detail/614305?contextCategoryId=40225&ref=25 With all of the negative sentiment surrounding the financial markets, is it appropriate to simply avoid them until things improve? 2009-08-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/312009/614305null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/The-price-of-gold-Investment-vehicle-appealing-yet/ArticleStandard/Article/detail/616233?contextCategoryId=40225&ref=25 For thousands of years, gold has been viewed by many as the ultimate safe haven for investors, especially in times of economic distress. If these gut-wrenching times have you thinking about investing in gold as a guiding hand through the fiscal wilderness, you're not alone. Recent spikes in the price of gold reflect the usual emotional attachment to that commodity in times of economic gloom. 2009-08-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/322009/616233null XML http://www.modernmedicine.com/modernmedicine/CME+Showcase/Get-under-the-skin/CME/Article/detail/617574?contextCategoryId=40225&ref=25 2009-07-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/cme/memag/322009/617574null REMOTE http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Where-to-go-for-a-second-financial-opinion/ArticleStandard/Article/detail/611663?contextCategoryId=40225&ref=25 I need to have a "financial physical," but am displeased with the results from my current financial adviser. How might I go about getting a second opinion? 2009-07-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/292009/611663null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Incorporating-real-estate-investment-into-yo/ArticleStandard/Article/detail/611668?contextCategoryId=40225&ref=25 With the housing and stock market so volatile, is now the time to invest in real estate? Also, how can I include real estate in my retirement plan? 2009-07-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/292009/611668null XML http://www.modernmedicine.com/modernmedicine/Medical+Economics/Global-investing-can-have-a-domestic-feel/ArticleStandard/Article/detail/610287?contextCategoryId=40225&ref=25 Given the perceived long-term consequences of the U.S. borrowing so much money, should you consider moving funds out of U.S. equities to international equities? 2009-07-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/282009/610287null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Veteran-docs-flock-to-Texas-Florida/ArticleStandard/Article/detail/611678?contextCategoryId=40225&ref=25 More physicians relocated to or within Florida or Texas last year than any other state, according to a survey of physician placements. 2009-07-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/292009/611678null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-How-to-invest-in-oil-and-gas-drilling/ArticleStandard/Article/detail/611669?contextCategoryId=40225&ref=25 Many physicians invest in oil and natural gas drilling programs to utilize the Intangible Drilling Cost Deduction to shelter taxable income. 2009-07-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/292009/611669null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Defining-defined-benefit-pension-plans/ArticleStandard/Article/detail/607953?contextCategoryId=40225&ref=25 Is there a retirement plan that will allow me to contribute more than $49,000 per year to put me back on track? 2009-07-10T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/272009/607953null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Whats-a-waiver-of-premium-rider/ArticleStandard/Article/detail/607962?contextCategoryId=40225&ref=25 My insurance agent is telling me that if I purchase a "waiver of premium" rider on the life insurance policy that I am considering, it will provide me with additional disability benefits. 2009-07-10T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/272009/607962null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Deducting-mortgage-points-for-refinancing/ArticleStandard/Article/detail/607952?contextCategoryId=40225&ref=25 I refinanced my principal home mortgage last year and paid points. What are points, and can I deduct them on my tax return? 2009-07-10T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/272009/607952null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/New-credit-card-law-could-hurt-consumer-perks/ArticleStandard/Article/detail/607948?contextCategoryId=40225&ref=25 The Credit Card Act signed in May, which boosts the rights of card holders, offers more help to consumers with heavy card debt but likely won't benefit those who carry cards offering perks or cash. 2009-07-10T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/272009/607948null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-A-lucrative-tax-deduction-for-temporary-work/ArticleStandard/Article/detail/607947?contextCategoryId=40225&ref=25 I'm finishing a surgical residency and plan to do a one-year fellowship in a subspecialty leading to extra certification. I heard that all of the living expenses for that year are deductible. 2009-07-10T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/272009/607947null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Dollar-for-dollar-Maximize-your-tax-deferred-retir/ArticleStandard/Article/detail/607920?contextCategoryId=40225&ref=25 If you're like most business owners and professionals, you think of every dollar as being the same as every other dollar. In truth, there are two kinds of dollars — before-tax dollars and after-tax dollars. 2009-07-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/272009/607920null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/IRS-boosts-retirement-plan-contributions-in-09/ArticleStandard/Article/detail/606052?contextCategoryId=40225&ref=25 Retirement plan contributions are subject to specific IRS limitations. 2009-07-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/262009/606052null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Avoiding-gridlock/ArticleStandard/Article/detail/607915?contextCategoryId=40225&ref=25 Over the past few years, we have written many articles on potential strategies that a doctor can use to reduce income taxes, increase benefits or build retirement savings. In that time, we have also consulted with hundreds of medical groups on how to implement such strategies for their practice. Unfortunately, these consultations too often turn out to be less than fruitful because of office politics. 2009-07-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/272009/607915null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Eye-center-takes-proactive-approach-to-keeping-up-/ArticleStandard/Article/detail/606807?contextCategoryId=40225&ref=25 One practice in Florida saw the recession coming and planned accordingly. The result? Revenues are up 13 percent over last year. How one practice has managed to thrive in tough times and what you can learn from that example. 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606807null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Investment-volatility-forces-physicians-to-reexami/ArticleStandard/Article/detail/606809?contextCategoryId=40225&ref=25 Tough times are forcing physicians to reconsider retirement and lifestyles. With a sidebar on the best financial practices to follow. 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606809null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/More-physicians-attend-to-the-finances-of-healthca/ArticleStandard/Article/detail/606804?contextCategoryId=40225&ref=25 From on-site billing to counseling patients on credit, the recession is forcing physicians to spend more time than ever dealing with practice finances – a role they're not always comfortable playing. 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606804null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Physicians-who-donate-free-care-benefit-their-comm/ArticleStandard/Article/detail/606808?contextCategoryId=40225&ref=25 Though under increasing financial pressure, physicians are stepping up to meet the growing demand for charity care and doing it in creative ways. With a sidebar on how you can help. 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606808null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Lessons-to-learn-on-securing-your-retirement/ArticleStandard/Article/detail/606805?contextCategoryId=40225&ref=25 Tips on managing personal finance. 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606805null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Doctors-administrators-grapple-with-impact-of-rece/ArticleStandard/Article/detail/606806?contextCategoryId=40225&ref=25 As the recession squeezes practices, physicians are searching for ways to cut costs and raise revenues while still preserving quality of care. A look at some of the best ways. 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606806null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Things-you-can-do-to-help-patients-during-the-rece/ArticleStandard/Article/detail/606810?contextCategoryId=40225&ref=25 Tips on how to help patients in the down economy 2009-06-26T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606810null XML http://www.modernmedicine.com/modernmedicine/Column/Money-matters-Consider-the-objectives-risks-charge/ArticleStandard/Article/detail/605786?contextCategoryId=40225&ref=25 Q. I recently read in a study that over a ten-year period, the average investor lagged almost 11 percent behind the actual performance of the same mutual fund. How can this be? 2009-06-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/dermatologytimes/262009/605786null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Keeping-Your-Practice-Healthy-In-A-Sick-Economy/ArticleStandard/Article/detail/606631?contextCategoryId=40225&ref=25 With this series, ModernMedicine.com takes a look at how the recession has affected healthcare and physicians. It includes not only an overview of the impact, but steps physicians and their practices can take to make sure they stay healthy and vital. 2009-06-24T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/modernmedicine/262009/606631null REMOTE http://www.modernmedicine.com/modernmedicine/Medical+Economics/Slumping-home-prices-arent-always-bad-news/ArticleStandard/Article/detail/601934?contextCategoryId=40225&ref=25 Truly, this is a buyer's market--maybe the best of our lives. Several trends suggest that these are ideal circumstances for potential home buyers. 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/232009/601934null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/The-case-for-investing-in-life-insurance/ArticleStandard/Article/detail/602825?contextCategoryId=40225&ref=25 Now is an ideal time to learn about the proven benefits, strengths, and versatility of life insurance and annuity investing. 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/242009/602825/lifeinsurance_flash.jpg XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Converting-a-403B-to-a-Roth-IRA/ArticleStandard/Article/detail/602821?contextCategoryId=40225&ref=25 Physicians who begin practicing and subsequently go back to training in a fellowship have a unique opportunity if they were contributing to a pretax retirement plan, such as a 403b. 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/242009/602821null XML http://www.modernmedicine.com/modernmedicine/CME+Showcase/Dodging-danger/CME/Article/detail/604759?contextCategoryId=40225&ref=25 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/cme/memag/252009/604759null REMOTE http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-How-to-protect-yourself-from-rising-inflatio/ArticleStandard/Article/detail/602831?contextCategoryId=40225&ref=25 How can I protect my financial plan from the risk of rising inflation and interest rates? 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/242009/602831null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Figuring-out-whats-an-affordable-mortgage/ArticleStandard/Article/detail/602813?contextCategoryId=40225&ref=25 I'm joining a practice later this summer with a starting salary of $180,000. How much house can I purchase without the fear of becoming "house poor"? 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/242009/602813null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Tax-advantaged-investments-for-disposable-in/ArticleStandard/Article/detail/602819?contextCategoryId=40225&ref=25 An option for residents and fellows who moonlight and want to defer some of their earnings into tax-advantaged plans is to open a Simplified Employee Pension plan. 2009-06-19T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/242009/602819null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-What-is-a-Grantor-Retained-Annuity-Trust/ArticleStandard/Article/detail/600841?contextCategoryId=40225&ref=25 I've been advised to execute a Grantor Retained Annuity Trust because it would minimize death taxes. What is a GRAT, and what is it used for? 2009-06-05T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/222009/600841null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Paying-taxes-on-stock-gifts/ArticleStandard/Article/detail/600856?contextCategoryId=40225&ref=25 If I gift my brokerage account to my husband and he leaves it to me through his will, will I pay taxes on the capital gain at the time of his death? 2009-06-05T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/222009/600856null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Taxes-on-home-improvements/ArticleStandard/Article/detail/600842?contextCategoryId=40225&ref=25 Do I have to keep track of my capital improvements to my principal residence since I am not taxed on the gain? 2009-06-05T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/222009/600842null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Maximize-goodwill-when-selling-a-practice/ArticleStandard/Article/detail/600853?contextCategoryId=40225&ref=25 I'm selling my medical practice to a competitor, and my attorney advised me to make sure that the contract provides that a substantial portion of the purchase price is allocated to practice goodwill. 2009-06-05T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/222009/600853null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Finances-What-you-need-to-know-about-Exchange-Trad/ArticleStandard/Article/detail/602378?contextCategoryId=40225&ref=25 An exchange-traded fund can offer an inexpensive way to diversify an investment portfolio. 2009-06-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/optometrytimes/242009/602378null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-The-risks-of-online-banking/ArticleStandard/Article/detail/598217?contextCategoryId=40225&ref=25 Is it safe to have my office staff pay my practice's bills online? 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598217null XML http://www.modernmedicine.com/modernmedicine/Medical+Economics/Not-a-first-time-homebuyer-You-can-still-save-8000/ArticleStandard/Article/detail/597523?contextCategoryId=40225&ref=25 The federal stimulus bill offers a tax credit of up to $8,000 for first-time homebuyers, but there are ways to take advantage of this new tax break even if you already own a home. 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/597523null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Defining-contingent-liabilities/ArticleStandard/Article/detail/598218?contextCategoryId=40225&ref=25 As a resident with more debt than income, how can a financial adviser help me? 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598218null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-What-residents-need-to-know-about-life-insur/ArticleStandard/Article/detail/598226?contextCategoryId=40225&ref=25 I know I need more life insurance than what my employer gives me, but how much should I get and what type should I get? 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598226null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/2009-federal-tax-breaks-How-your-practice-can-save/ArticleStandard/Article/detail/598228?contextCategoryId=40225&ref=25 Lurking within the $787 billion American Recovery and Reinvestment Act are nearly $300 billion in potential tax breaks, and much of it is available to you. 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598228/stimulus_flash.jpg XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Asset-protection-for-young-doctors/ArticleStandard/Article/detail/598225?contextCategoryId=40225&ref=25 I'm a physician who has just started practicing. How do I protect myself and my assets? 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598225null XML http://www.modernmedicine.com/modernmedicine/Welcome+to+ModernMedicine/Losing-sleep-over-insomnia/CME/Article/detail/599902?contextCategoryId=40225&ref=25 The amount of training physicians receive regarding sleep disorders is limited and can have a major impact in the recognition and treatment of insomnia. 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/cme/memag/222009/599902null REMOTE http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Gift-low-sell-high/ArticleStandard/Article/detail/598211?contextCategoryId=40225&ref=25 With the value of stocks and other equities at an all-time low, now might be the time to transfer those assets to your heirs in hopes of the value rebounding over the course of their lives. 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598211null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-When-to-be-greedy-and-when-to-be-fearful/ArticleStandard/Article/detail/598222?contextCategoryId=40225&ref=25 A lot of my colleagues are moving their investments to certificates of deposit and cash accounts. Should I be doing the same? 2009-05-22T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/202009/598222null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Getting-a-loan-for-a-medical-office-building/ArticleStandard/Article/detail/596088?contextCategoryId=40225&ref=25 Why won't lenders offer 15-year or 30-year fixed-rate loans on small medical office buildings? 2009-05-08T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/182009/596088null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-When-your-credit-gets-frozen/ArticleStandard/Article/detail/596085?contextCategoryId=40225&ref=25 I am trying to refinance my home, and my lender says my application is in limbo because my credit is "frozen." What's the deal? 2009-05-08T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/182009/596085null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Hints-on-getting-corporate-donations-for-cha/ArticleStandard/Article/detail/596092?contextCategoryId=40225&ref=25 I asked one of our vendors to be a golf tournament sponsor for a charitable organization. I was told "no" and wondered why. What can I do to have better luck next time? 2009-05-08T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/182009/596092null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Defining-contingent-liabilities/ArticleStandard/Article/detail/596074?contextCategoryId=40225&ref=25 My bank's personal financial statement form asks if I have any contingent liabilities or obligations. What does that mean? 2009-05-08T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/182009/596074null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Tax-deferred-annuities-offer-investor-flexibility/ArticleStandard/Article/detail/595554?contextCategoryId=40225&ref=25 Investors seeking a tax deferral strategy or those who wish to create a retirement stream of income they cannot outlive often look to tax-deferred fixed annuities, where taxation on the interest is deferred until distributions are made. 2009-05-01T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/urologytimes/182009/595554null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+News/Pediatric-practices-readying-for-red-flags-rule/ArticleStandard/Article/detail/595310?contextCategoryId=40225&ref=25 Pediatricians are the new frontline in the battle against identity theft. 2009-04-28T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/contpeds/182009/595310null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/Could-Madoff-happen-to-you/ArticleStandard/Article/detail/592248?contextCategoryId=40225&ref=25 The losses from Madoff's Ponzi scheme are tragic for his victims. But the real tragedy is that had those investors followed some basic rules of prudent investing, they never would have invested with Madoff in the first place. 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/152009/592248/Madoff_flash.jpg XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Another-way-to-protect-assets-from-creditors/ArticleStandard/Article/detail/592254?contextCategoryId=40225&ref=25 I've been told by several colleagues that I should set up a family limited partnership to protect my personal assets against the claims of creditors. Does this work? 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/152009/592254null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Limits-on-disability-insurance-amounts/ArticleStandard/Article/detail/592256?contextCategoryId=40225&ref=25 I have heard that, as a physician, I can only purchase up to $10,000 per month of individual disability insurance regardless of my earned income. Is this true? 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/152009/592256null XML http://www.modernmedicine.com/modernmedicine/Medical+Economics+CME/Countering-non-compliance/CME/Article/detail/593931?contextCategoryId=40225&ref=25 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/cme/memag/162009/593931null REMOTE http://www.modernmedicine.com/modernmedicine/Medical+Economics/Viewpoint-Now-is-the-time-to-invest-in-stocks/ArticleStandard/Article/detail/591173?contextCategoryId=40225&ref=25 The question on many people's lips is whether the stock market has reached bottom or whether there is still a ways to go before we get there. 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/142009/591173null HTML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Defining-disability/ArticleStandard/Article/detail/592255?contextCategoryId=40225&ref=25 I've recently met with two insurance agents to discuss disability insurance. One tells me that I need a policy with a true "own-occupation" definition of disability. The other says that it is a "marketing gimmick." Who's right? 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/152009/592255null XML http://www.modernmedicine.com/modernmedicine/Modern+Medicine+Now/QampA-Can-I-deduct-meals-when-traveling-between-th/ArticleStandard/Article/detail/592253?contextCategoryId=40225&ref=25 The cost of meals in the general vicinity of where you live is not usually tax deductible. 2009-04-17T04:00:00Z http://www.modernmedicine.com/modernmedicine/data/articlestandard/memag/152009/592253null XML