Obamacare and physician salaries

Relative to the general population, doctors have higher salaries. Think of this as repayment for taking on six-figure student loan debt, spending eight years in school, working upwards of 100 hours a week for another half dozen years, and making less than the median national income during residency. But will high physician salaries become a thing of the past after Obamacare’s implementation? The actual effects of Obamacare on physician salaries, like most long term consequences of the legislation, are unclear. Physicians opposed to the plan say that because it requires insurers to keep plan costs low while simultaneously covering a

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Top 5 mistakes employees make with 401(k)s

The results are in, and our advisors have agreed that these are the five most common mistakes employees make with their 401(k) plans: 1.       Not participating: The biggest mistake you can make is not contributing to a 401(k) if you are eligible, especially if your employer matches your contributions.  Start out with small contributions and increase them gradually, otherwise you are missing out on an effective pretax and tax-deferred investment.  The only reason not to start contributing is if you have an outstanding debt, as paying off your debt should be a priority. 2.       Not contributing enough:  Contribute enough to

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A Sukuk Primer

Sukuk are one of the most commonly used instruments in Islamic finance. They are also the vehicle behind some of the most dramatic growth seen in the capital markets in recent years. Government and corporate issues from both Islamic and other countries have driven the rapid growth of sukuk. Global sukuk demand is expected to grow from $240 billion in 2012 to $421 billion by 2016. General Electric, Goldman Sachs and the World Bank have all issued sukuk. Major financial firms like PIMCO and Fidelity are active participants in the sukuk market. INTRODUCTION Sukuk are sometimes referred to as Islamic bonds.

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ObamaCare and your pocketbook

For the millions of people who have individual health insurance, the impending implementation in 2014 of the Patient Protection and Affordable Care Act (PPACA), popularly known as ObamaCare, is of great concern. The focal  points of this landmark legislation  is the mandate which requires every American to have health insurance and prohibits health insurance providers from denying coverage to anyone regardless of their current medical condition. The effects of these aspects of the new law on insurance premiums are not uniform. They will vary from state to state and person to person. Where Obamacare hurts In states such as Indiana,

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