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Is the “Trump Bump” Running Out of Gas?
Issue #484, August 21, 2017

Gold is on the Move
Issue #483, August 14, 2017

The Importance of Estimation
Issue #482, August 07, 2017

Buying Art and Collecting: Part II of II
Issue #481, July 31, 2017

Buying Art and Collecting in General, Part I of II
Issue #480, July 24, 2017

Physicians need to be More Forceful: Follow-up
Issue #479, July 17, 2017

Physicians need to be More Forceful
Issue #478, July 10, 2017

Your First “Real” Investment
Issue #477, July 03, 2017

Leasing a Watch: Don’t
Issue #476, June 26, 2017

The Importance of Your Children having a Job
Issue #475, June 16, 2017

The Problem with Medical Student Debt is—the Med Schools
Issue #474, June 12, 2017

Critters and Varmints in your Home and Yard
Issue #473A, June 07, 2017

Leveraged ETFs
Issue #472, May 29, 2017

Leasing a Vehicle: Don’t!
Issue #471, May 22, 2017

Escheat
Issue #470, May 15, 2017

More on Buying Jewelry
Issue #469, May 08, 2017

Buying Jewelry: Gold, Diamonds and Pearls
Issue #468, April 30, 2017

Thomas Sowell: Part III of III
Issue #467, April 24, 2017

Thomas Sowell: Pat II of III
Issue #466, April 17, 2017

Live Close to Where You Work
Issue #465, April 10, 2017

Medtronic in Hospital Management
Issue #Interim Bulletin #464A, April 07, 2017

Thomas Sowell: Part I of II
Issue #464, April 03, 2017

A Political Contribution a an Investment: Part II of II
Issue #463, March 27, 2017

A Political Contribution as an Investment: Part I of II
Issue #462, March 20, 2017

Buffett Selling Vacation Home
Issue #461, March 13, 2017

Advanced Placement (AP) ourses
Issue #460, March 06, 2017

The Importance of a Credit History
Issue #459A, March 02, 2017

A Credit Card Scam
Issue #459, February 27, 2017

The Electronic Health Reord
Issue #458, February 20, 2017

Contracts
Issue #457, February 13, 2017

Platinum and Palladium
Issue #456, February 06, 2017

Economic Outlook for 2017: Part II of II
Issue #455A, February 02, 2017

Economic Outlook for 2017: Part I of II
Issue #455, January 30, 2017

A Story From Vegas
Issue #454A, January 25, 2017

Land Donation Deals and the IRS
Issue #454, January 23, 2017

The Theory of Gambler’s Ruin
Issue #453, January 16, 2017

Student Loans: But Wait, There’s More!
Issue #452, January 13, 2017

A Second Home
Issue #Interim Bulletin #451A, January 04, 2017

The Consumer Confidence Index
Issue #451, January 02, 2017

Social Security
Issue #450, December 26, 2016

My Outlook for 2017: Part II of II
Issue #449, December 19, 2016

My Outlook for 2017: The Market
Issue #448, December 12, 2016

Medicine in 20 Years
Issue #447, December 05, 2016

Higher Interest Rates
Issue #446, November 28, 2016

Trump and the Markets: The Bad and Ugly
Issue #445A, November 23, 2016

Trump and the Markets: The Good
Issue #445, November 21, 2016

Negative Trends: The Suits aren’t Makin’ Steel
Issue #444, November 16, 2016

The New DOJ Fiduciary Rule
Issue #443, November 07, 2016

Barron’s Conference, Part IV of IV
Issue #442, October 31, 2016

Barron’s Conference, Part III of IV
Issue #Interim Bulletin #441A, October 26, 2016

Barron’s Conference, Part II of IV
Issue #441, October 24, 2016

Barron’s Conference, Part I of IV
Issue #440, October 20, 2016

This Newsletter
Issue #439A, October 12, 2016

Memoirs of US Grant: Vol II
Issue #439, October 10, 2016

More Points on Collecting, Investing and the Economy
Issue #Interim Bulletin #438A, October 05, 2016

Personal Memoirs of US Grant
Issue #438, October 03, 2016

Ideas for a High School Part-Time Job
Issue #Interim Bulletin #437A, September 29, 2016

Collecting, Investing, and the Economy
Issue #437, September 26, 2016

Free College
Issue #436A, September 22, 2016

A Military Commitment to Pay for Med School
Issue #436, September 19, 2016

When a CD isn’t a CD
Issue #435, September 12, 2016

I Made a Mistake
Issue #Interim Bulletin #434A, September 07, 2016

What is Your Spare Time Worth?
Issue #434, September 05, 2016

Credit Cards and Bonus/Loyalty Points
Issue #433, August 29, 2016

The Write-off of Student Loans
Issue #Interim Bulletin #432A, August 25, 2016

412 Retirement Plans
Issue #432, August 22, 2016

Join the Club
Issue #Interim Bulletin #431A, August 18, 2016

The Case for Precious Metals and Hard Assets
Issue #431, August 15, 2016

When the US went off the Silver Standard
Issue #430, August 08, 2016

Why NOT to Open a Restaurant
Issue #429, August 01, 2016

Some Tips on Life Insurance
Issue #428, July 25, 2016

More Observations on Negative Interest Rates
Issue #427, July 18, 2016

Embezzlement
Issue #426, July 11, 2016

Is a PhD Worth It? Part II of II
Issue #425, July 04, 2016

Is a PhD Worth It? Part I of II
Issue #424, June 27, 2016

Avoid Part-time real Estate Agents
Issue #423, June 20, 2016

The VIX
Issue #422, June 13, 2016

The Problem with Auction Reserves
Issue #421, June 06, 2016

Make Full Use of Your Capital Investments
Issue #420, May 30, 2016

The Fed’s Announcement
Issue #419, May 23, 2016

Quit While You’re Ahead: A True Story
Issue #418, May 16, 2016

The Precious Metals
Issue #417, May 09, 2016

Negative Secular Trends: Part Ii of II
Issue #416, May 02, 2016

Negative Secular Trends: Part I of II
Issue #415, April 25, 2016

Not Winning is not the same as not Losing
Issue #414, April 19, 2016

Behavioral Economics: Part II: Weaknesses
Issue #413, April 11, 2016

Behavioral Economics: Part I: Valid Points
Issue #412, April 04, 2016

The Most Important Books I’ve Read
Issue #411, March 28, 2016

Secret to Success: Take Risks and do Things Differently
Issue #410, March 21, 2016

The Over-Priced Food Presentation Hustle
Issue #409, March 14, 2016

The War on Cash
Issue #408, March 07, 2016

Precious Metals: Don’t Jump in Yet
Issue #407, February 29, 2016

The Bear is Growling
Issue #406, February 22, 2016

The Importance of Showing Respect
Issue #405, February 15, 2016

The 80-20 Rule of Thumb Pareto Principle
Issue #404, February 08, 2016

Some Tips on Commercial Real Estate
Issue #403, February 01, 2016

Economic Outlook for 2016
Issue #402, January 25, 2016

Selling Short: Part II of II
Issue #401, January 18, 2016

Short-Selling. Part I. How it Works
Issue #400, January 11, 2016

Who Can You Trust, and How to Spot a Con Man
Issue #399, January 04, 2016

THE PHYSICIAN INVESTOR NEWSLETTER

HELPING PHYSICIANS ATTAIN FINANCIAL SECURITY
By Robert M. Doroghazi, M.D., F.A.C.C.

This Newsletter

Issue #439A, October 12, 2016

    November will be the start of the 11th year of this newsletter. It was originally priced at $60 per year, and came out every other week. Things went well, and several subscribers thought the newsletter was a great value, and actually encouraged me to raise prices. So at the beginning of year 3, I made the cost of a standard subscription $75, where it has stayed since then. I believe it is time to raise prices again. The newsletter is now weekly, supplemented by Interim Bulletins.
    As of November 1, prices will be:
    1) Student                             $25 per year (one Starbuck’s coffee per month)
    2) Physician-in-training               $50 per year (two Starbuck’s coffees per month)
    3) Standard subscription, finished
      all schooling and training           $100 per year (one movie ticket per month)
    4) Two-year standard subscription   $150 (an even better deal)
    5) Institutional subscription           $200 per year (pennies per employee)
    I continue to be impressed with how the VIX (Volatility Index, reviewed in Issue #422, 6/14/16) anticipates the market. To remind you, the VIX tends to move the inverse of the market: when the market goes up, it drops, when the market drops, it pops.
    Early on Monday, the market was up almost 150 points, but rather than drop, the VIX was flat. Sure enough, by the end of the day the market had given back half of its gains, and Tuesday, it was down 200 points.
    RMD comment: watch the VIX.
    Possibly my best newsletter ever was “A Wedding as an Investment (#241, 12/24/12)”. From a recent subscriber (They and their spouse are both professionals):
    “You would love our wedding. We eloped!! No planning, no hurt feelings about guest lists or family, no money. Our marriage has outlasted many with a big wedding”. 
    RMD comment: Impressive, most impressive.
    Last weekend I spoke at the meeting of the Kentucky Chapter of the American College of Cardiology in Lexington on “Negative Secular Trends in Medicine”. Thanks to Drs. Jesse Adams and Susan Smyth, the past and current State Governors, for the invitation. It was a first-class event.
    One of my basic concerns is physicians becoming hospital employees, and giving up all leverage and influence. A physician told me:
    “I started in a physician-owned practice. Sadly, like so many others, I’m now in a hospital-owned practice and “work for the company store”. However, the very things that led me into Medicine in the first place—scientific curiosity, caring for patients one on one, and colleagues who do the right thing—has not changed”.
    RMD comment: people in a University setting, are, by definition, employees. My comment about not becoming a hospital employee is directed to private practice. 
    In a recent Interim Bulletin (#437A, 9/29/16), I thought that a great part-time job for a high school or college student was to be a housekeeper. The more I think about it, the more I believe this is one of my better recommendations. The pay is twice what it would be flipping hamburgs at McDonalds or any other similar minimum wage type job, the hours are yours, the working conditions are better, you meet people with money who can help you later in life, and you can wear it like a badge of honor that you cleaned privies to get ahead in life.
    I’ve thought of another reason. One thing that makes it easier to meet the opposite sex is if you can dance. Can you imagine how desirable it would be if a high school/college age man knew how to clean the house! Mothers would actively encourage their daughters to go out with you!
    Public service announcement: I have blond hair, blue eyes, fair skin, and was outside all the time while growing up. I just had my 7th skin cancer removed, this from the top of my head. All previous have been basal cell, the least aggressive type. This had a few squamous cells, which is more aggressive.
    RMD comment: I believe sun screen is one of the greatest inventions of the 20th century. Please use it liberally. There is no reason for you or your children to have a sun burn. 

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