Friday, November 23, 2012

Are Physicians Earning What They Deserve?

Due to the constant rising costs in insurance coverage and rising overhead costs, many physicals are starting to wonder if they are earning what they deserve. A study was done by the internet site Medscape which received over 15,000 responses from doctors from 22 different specialties to hear what these physicians have to say.

In one aspect of the survey it compared what men versus women earn. The study showed that men earn more and it was due to them putting in more hours. Most of the women studied said that they chose part-time or shorter hours in order to be able to spend time with their families but also still have a career.

One area of specialty that seemed to love their jobs the most is Dermatologists which had an overall satisfaction score of 80% and even more interesting is that they would chose the same specialty if they had to do it all over again.

Primary care physicians had the lowest overall satisfaction score of only 54% and when asked if they would choose this specialty again only 43% said they would. Pediatricians and primary care physicians are key in the overall success of healthcare reform. These specialties should be of paramount importance to keep them well paid and be satisfied with their career choice.

The specialty that showed they earned the most was Orthopedic surgeons and radiologists. The study showed that these two specialties earned a median income of $350,000. The lowest paid physicians where pediatricians which earned $148,000 median and primary care physicians earned $159,000.

Another aspect of the study compared private practice versus employment. This showed that doctors that have their own private practice earn more than employed doctors. Physicians that have their own private practice earn a median of $275,000 and hospital employed physicians earned a median of $200,000. Even though physicians that have their own private practice earn more than employed physicians, they still feel less fairly-compensated. This is most likely due to working more hours and they have to contend with insurance carriers, staff issues and office expenses which can cause stress because they always have to worry about ways to attain a steady income.

Physicians in a private practice may think that being employed will free them from hours of administrative duties and they may have more freedom and time. On the other hand, employed physicians have to attend meetings and creating reports. Most employed physicians also have to spend a great deal of time with paperwork and other tasks related to their position. All these facts are definitely something to consider when deciding to set up your own private practice or to be employed.

Power Pricing - Getting the Right Price for Your Products and Services

There's an old joke about the New York City blackout. Power was out everywhere, and the electric company couldn't figure out what was wrong or how to fix it. Finally, they decided that the only one who could solve the problem was a long-retired worker who knew the system inside and out. He came out to the power plant, looked around, picked up a hammer and tapped one of the generators.

Suddenly, lights came on all through the area. Overwhelmed with relief that the problem was solved, they asked how much they owed him. "$20,000," he replied. $20,000? For tapping with a hammer? "Well," he said, "tapping with the hammer is $10. Knowing where to tap is worth $19,990."

There are a couple of lessons to be learned from the joke. First of all, the value is higher when the problem still exists than after it has been solved. After all, if told he could restore the power for $20,000, officials would have written him the check immediately, without question. Afterward, the problem wasn't so urgent--it was solved. Quote your price and get agreement while the customer still feels the urgency (and the pain that you will remove). That's when the value is highest to them. Your agreement can include conditions and guarantees, such as the results you will obtain, and deadlines, if they want assurances about results.

Maintain a little mystery. If they hadn't known that all he did was tap with a hammer, his services would have seemed more valuable. After all, they got the result they valued--the power was restored. Focus on the results, not exactly what methodology will be used. Don't let customers look behind the curtain. (Remember the Wizard of Oz?)

If you are the only one who provides a particular product or service, or you have skills or training no one else does, the value of what you offer goes up. Highlight your exclusive set of training, education and experience. Use unique language to describe what you do. You can also create an aura of exclusivity by screening clients, and only accepting those who meet your criteria. This can work if you have a reputation already, but it can also help build your reputation, if you've got the guts to try it!

Consider what your clients are used to paying, and charge at least that much. If your clients are used to paying $100 an hour, and you come in at $50, you probably won't get the job. On the other hand, if you can show that you are worth $150, you may be able to charge more than the going rate.

Another way to get an hourly rate higher than others is to charge by the project, rather than the hour. For example, maybe you charge $150 instead of $100 an hour, but you get the job done in fewer hours. Get the client to look at total cost, rather than hourly rates. Once again, get them focused on results.

This issue comes up all the time in my publishing classes, where I remind students that they are not selling paper. They are selling the information printed on the paper--information that will improve the lives of the people who use it. Paper is cheap. Useful information isn't.

Keep in mind that the value of your product or service is related to the benefits your customers receive, and how they value those benefits. Present what you sell as solutions to problems, and you can charge premium prices for your excellent products and services.

Bookworms Get Techie With AudibleListener

In this day and age, everything has gone digital -- including books. People who have very little time on their hands can certainly appreciate something that will allow them to learn about something new while they keep their hands busy. Take for instance AudibleListener.

Audible-what? AudibleListener is the name of a program to which you subscribe if you want to get an audio format for a variety of things: French language lessons, the latest live album of your favorite band or musician, the best-selling novel of the month, or even that inspirational program you have been dying to listen to because you have not the time to attend it. There is a monthly subscription fee in order to use AudibleListener. The good thing is you can go with a 'light' membership or a 'heavy' membership, depending on the volume of downloadable clips that you want to have.

Once you have subscribed to AudibleListener, simply choose the programs you want and download them onto your computer. You can save the files on both PC (Windows) and Mac (OSX) types of operating systems. You can even load the files on your mp3 player or burn them onto a CD or DVD. This way, you can learn something new while you stroll in the park (mp3 in tow), driving to work (with the CD or DVD you have burned), or even while you flit about to perform one task after another at home.

There are indeed a lot of advantages that come with having a membership to AudibleListener so you should get one for yourself now.

AudibleListener from Audible.com is perhaps the best way to get audio books online, because here you can find books on romance, history, literature and a whole lot of other categories as well. To help you in buying the right audio books online, Audible provides a small description about the book and this in turn will help you make up your mind as to which audio book to buy and decorate the bookshelves in your home.

What You Need to Know When Traveling With Your Pet

According to the Air Transport Association, more than 500,000 pets travel by plane each year in the United States of America alone. However, traveling is very stressful to a pet. Imagine the stress you're under when you're traveling and multiply that a thousand times and that's how your pet feels. So, if you're planning to take your pet on your next trip, this article will give you the good, the bad, and the ugly about traveling with your pet.

The Good

You do not have to go through the pain of trying to find a trustworthy pet sitter or try to find a reliable friend/family member who will remember to look after your pet Being able to travel with your pet can set your mind at ease. This means no worrying about how your pet is doing back at home or with a pet sitter while you're on your vacation.

The Bad

Not all airlines are pet-friendly. Some airlines don't allow pets on their flight. Depending on the airline but those that do allow pets on aboard, will often charge around $125 - $250 one way (this also depends on where you're flying to as well). Pets go under a great deal of stress when traveling. There are a great deal of environmental stressors that are present when pets travel on an airplane such as temperature changes, noise, and motion changes.

The Ugly

According to statistics presented by the Department of Transportation, 122 dogs died in cargo holds of United States airlines between May - July 2010. In 2011, 35 pets died while on an airplane with more than half dying while aboard Delta flights. Airlines are not required by law to report pet mishaps such as accidents, loss, and deaths.

Now that you have an idea of what traveling with your pet could be like, here are some things you must know when you do decide to take your pet traveling with you.

Pre-flight Preparations

Because traveling is already hard for your pet, consider other factors that might add more stress for them before making a decision about whether or not to take them with you. If your pet is too old or too young, consider leaving them to a neighbor or family member instead. Same goes if they're in heat or pregnant. Take your pet to the vet for a checkup. This is to make sure that your pet's health is in good condition to travel. Also, get the required vaccinations for your pet before leaving for your trip. You can ask for a health certificate to present at the counter before boarding your flight. Book your flight early. Because different airlines have different policies regarding taking your pets on board, it would be much better to make arrangements early. An easy way to do this is to make an online booking. That way you can learn more about your options not just with their pet policies, but with their prices as well. Airlines have different policies about the size of carriers that they allow inside the cabin. Check with your airline about the size and make requirements before buying a carrier. Remember that a carrier is under the same regulations as that of a carry-on. You can check the FAA policies about rules for carry-ons for reference. Some dog trainers recommend training your pet especially for travel before your flight. Some suggested techniques are putting them on the floor of your car while driving. This gets them used to motion changes which they will likely experience on a plane. Others also recommend using an association scent on your pet such as lavender oil. You can put a drop of the oil on your hands before feeding times or taking them for a walk. Doing so allows them to have a positive association with that smell. So if your pet will be separated from you, you can put a drop of lavender oil on their carrier for them to keep calm during the trip.

Liability Life Insurance Quotes: How to Find the Best

It is common to find many people trying to find affordable liability life insurance. This is because normally such policies protect or offer coverage to clients in case of unforeseen events. There are ways which a client can use to get liability life insurance quotes. Insurance policies offer the policy holders peace of mind in the event of their untimely death. The client's beneficiaries get a chance to get monetary benefits that can cater for funeral expenses or other daily expenses after the client's death. With this in mind, many people seek insurance cover so that they can secure their surviving relatives' future.

A potential policy holder looking for a liability life insurance policy should also bear in mind that the premiums he or she is likely to pay depend on some factors. Some of the most common factors include health, age and lifestyle. The company also calculates the life expectancy of their clients to decide if they qualify for cover. If the client has some health issues or his occupation, poses a risk to his life, he may end up paying more premiums. Older people also have to pay more in terms of premium than younger people.

Getting quotes is a convenient method of finding the suitable cover. Thanks to many websites, which readily offer such information, a future client, does not have to visit various companies to find the right cover. They can also access this information on a regular basis regardless of the office hours of the insurance providers. Clients can enter popular search engines to find the best policies through various websites. Finding liability life insurance quotes online is a convenient way of getting various companies rates on the same policy. Some companies also offer contact information where the client can get in touch with various agents in his locality.

In addition to physical fitness and health fitness, some insurance companies will also consider the mental health of their clients before offering them such a policy. This is because people with mental illnesses pose a threat to the public as well as themselves. People who have a history of substance abuse do not qualify for cover offered by many insurance providers. The reason behind this is that they may have some consequences of abusing drug or alcohol such as lung problems and other health problems. Depressed people also have low chances of getting coverage, because their medication may affect their mental ability.

My Son Was Born a Gymnast

My son was born a gymnast. He was so still in the womb, I was constantly afraid there was something wrong. My first pregnancy I carried a boy who never stopped moving. They switched at birth. My oldest after birth was content to sit for hours and play beside me as I folded socks. My second son came out with two pushes and was not content to sit still, ever. Before he could even sit up, he would roll and roll till he hit a wall or something else he could not move and then roll the other way till he was stopped again. The first time he crawled he went out the nursery door, across the hall and down an entire flight of stairs before I could even react. I screamed in horror, and his reaction, when he landed at the bottom was a smile. Till I freaked him out by screaming, then he cried. It was not his last trip down the stairs or up the beds, over the crib, under things, over things, life was often seen by him upside down because he would stand on his head.

When he was two or three years old, my mom put him down for his nap, came back to check on him later and he was not in his bed. He was not in his bed, he was not in his room, he was not in the hall, he was not as far as we could tell anywhere in the house. We looked for what seemed like forever and were beginning to panic, the pattern with this child you will see is... panic. We went to his room one more time, before I could begin to dial ALL the emergency numbers, and heard a sound. It was a little giggle, and then another one. I looked, up, yes, up.

And there sitting on the top of the door was my son. Grinning from ear to ear and beaming with great pride and joy, not that he was able to climb an 8 foot door, no, it was I gotcha. The years that followed were full of stories much like this, whatever he could climb, jump, flip over, that was him. When you wanted to find him, you looked up. He was just built differently, from the first day. Life was full of challenges, that had to be met head on.

There was no fear, except from me. I remember the day I realized I had to let it go and came to understand that it was not my job as a mom to change him, but to figure out why he was made that way, how he could use it for good and how we could both survive. We were at my oldest sons' baseball practice and I was nursing my daughter and suddenly heard a scream, followed by shouts of "whose child is this?" I looked up to see, my son at the top of the backstop fence. I placed my daughter in her car seat, walked over to the fence, asked my son to please come down and proceeded to go back to my chair. I was met with a barrage of comments from bystanders including, "what kind of a mother are you?" I turned and said, "the kind that knows that all kids are unique and yelling at one at the top of a 18 foot fence will likely do more harm than good." I determined then and there to find something, where my son would feel at home, be safe and not feel like there was something wrong with him.

So the journey began. We tried, football, soccer, baseball, fencing, cooking, art. In baseball they had to catch him at third base because he wasn't suppose to steal home. In football, he would line up and then do a backflip just before the hand-off. In soccer a summersault usually came with throwing in the ball, front flips to do basketball, you get the picture. Then it happened, we moved and one day I found my son and the little girl next door sitting up on the basketball net. Her mom came across the yard, looked up and said," Its time to get down." No panic, no shock, no "what is my child doing up there with your child?" Her daughter had always been this way, the solution, gymnastics. I was thinking... padding.

I called around and found several places that wanted to see him. They led him out onto the floor and put him in the team group, so he could try out. He was almost nine years old, as I sat there some people asked about my son. They were quick to inform me that at nine, he was really too old to start this type of sport. I watched, he was not able to do the flips they way the rest of the boys could, but he sure did try. In fact there was not anything that he wouldn't try. He climbed the ropes, he ran, he jumped, he flipped... he smiled. When it was done, my husband and I walked over to meet one of the coaches. I held my breath, I just knew that his would be so great for my son, but would they see what I saw? Was I fooling myself? Maybe it was too late. The coach shook our hands, smiled down at my son and then said, "we would love to have him on our team." I am not completely sure how to tell you what my mother's heart was feeling, but it was a lot like gratitude, a little peace and whole lot of joy. I watched him everyday grow more in love with the sport and with each day become content, happy, and excited. He found friends, and a place to belong, who doesn't want a place to belong?

It would not be honest to tell you we lived happily ever after, because gymnastics is a hard sport. It requires every muscle in your body and hours and hours of training. We have had our ups and downs. Gymnastics like many sports can be a hit or miss depending on the day. Unlike other sports, you only get one chance in front of the judges for a few seconds to show them what hours and hours, sometimes years, of doing the same skills over and over has taught you. And as you propel your body into the air end over end and if your feet are not pointed the right way or you bend your knee, after flipping 2 1/ 2 times, they will deduct. The judges will point out each way you missed the mark of perfection and the coaches will tell you too. But, if you ask my son if he wants to quit, even at the lowest moment, he still says no. He won state and regionals for level 5, the second year he competed, then went to level 7, won state and regionals and we are now in level 9. As I write this I am at the Men's Jr. Olympic Nationals, awaiting the competition to begin. I do not know if this will be a good day or a bad one, what I do know is that there is no other place my son would rather be and for that, I will sit here, cheer him on and tell him that he is a champion to me no matter what the score says. My son was born a gymnast and I am grateful to be along for the crazy ride and grateful that I am his mom.


Twitter Facebook Flickr RSS



Français Deutsch Italiano Português
Español 日本語 한국의 中国简体。





Sponsor Links