This months Advisor is brought to you by

Integrative Practice Solutions is a complete turn-key practice system that follows a proven model of success

established in dozens of multi-million dollar earning multi-disciplinary practices nationwide. Our approach is

simple, effective, and easy to duplicate. The secret lies in the fact that while insurance as a whole is being

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there are certain treatments that naturally appeal to Medicare recipients such as Viscosupplementation a unique

treatment designed to specifically address and correct pain and loss of function associated with Osteoarthritis of

the knee. In 20072009, 50% of adults 65 years or older reported an arthritis diagnosis. Even worse; 676,000 total knee replacement surgeries were performed in the United States in 2009 alone. This large and highly

profitable new patient group is DESPERATELY seeking non-surgical alternatives to knee replacement surgery

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Our system focuses on teaching doctors, physical therapists, and practice owners from across the US how to

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support team unlike any other practice improvement system available. Our team includes experts in the field of

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approach is direct, involved, and does not rely on you becoming an expert in every aspect of business, or

implementing every strategy yourself.

To learn if this opportunity may be right for your practice, schedule a risk free site visit by calling: 855-854-6332 or visit www.integrativepracticesolutions.com for more information.

MD Preferred Services is the only comprehensive online resource center for doctors. Each year MD Preferred

identifies and promotes uniquely qualified, "doctor friendly", community based preferred professionals from a

wide range of disciplines including: Attorneys, Realtors, Mortgage Lenders, Insurance Agents, Accountants,

Commercial Bankers, Financial Planners & Practice Management Services, who are committed to serving the

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Accountants

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REAL ESTATE ADVISOR Tips & Tools from the world of todays Realtor

So, This months article is really aimed at the young physician, fresh out of residency or fellowship first time buyer. Our objective is helping you avoid some of the mistakes that first time buyers often have to live with for years. It is remarkably easy for the search for your dream home to turn into a nightmare. So before you even begin the process here are some words of advice.

The chances are that as a freshly minted physician you have not had time to secure the advice of a financial advisor and put together the frame work of a long term plan. After all, the ink is still wet on your contract, children are either still a work in progress or they are years away from college. STOP! If you are even considering signing a 30 year mortgage, an obligation that at

least in theory will last until you are in your late 50s, without making it one of the pillars of your financial plan you are just asking for trouble.

And dont let anyone tell you that financial advisors wont accept a young professional with a mountain of medical education debt and virtually no net worth. There are dedicated professionals out there that will be happy to start the journey as your guide and mentor. Many of them can be found at www.mdpreferredservices.com, an online resource center for young physicians.

A financial advisor can help you calculate how much home you can afford and how much home you should afford. He or she can make sure that you take all of your expenses into account when establishing a budget. And they can often help you find financing even with your medical education debt. Here are a couple of useful numbers that you can compute yourself that can at least set realistic expectation of the reception you are likely to get when seeking a mortgage.

Your monthly mortgage is always more than just the principle and interest. You are about to join the ranks of real estate tax payers and in many counties this can really be an eye opener. In some metro areas taxes can easily run to 4% of the value of the home. This gets divided by 12 and added to the mortgage. Hazard insurance is good for another sizeable chunk of monthly change. And dont forget association fees and private mortgage insurance if your down-stroke is going to be less than 20%. Once you know what kind of monthly nut you are likely to be looking at, here is how the money lenders are going to determine how deserving you are.

They will work from your gross income before taxes. They are going to look at two percentages of that number. First they will determine your front end ratio to see if the monthly mortgage payment as described above is a suitable percentage of your monthly gross income. The going rate is usually somewhere south of 28%.

Next they will calculate a back end ratio. This takes into account all of your projected monthly expenditures including cash expenditures for minor items. This is where your financial advisor can really help. He or she will help you identify all of the costs that are on the horizon including things like private school tuitions, auto loans or lease payments, entertainment, country club dues, etc. The going rate for the back end is generally south of 36% although some lenders will stretch this number a bit.

At the end of the day, you and your financial advisor and your lender will determine just how house poor you chose to be by tying all of your discretionary income into your mortgage payment. Your first years of medical practice will have all of the stress you need. Hanging by your financial finger nails at the first of each month trying to cover the house payment is not something that they warn you about in medical school.

Roth IRA Myths By David Katz, AAMS Financial Advisor, Managing Director - Katz, Dukate And Associates

A financial advisory practice of Ameriprise Financial Services, Inc.

Contrary to what you might think, Roth IRAs can work for

people in higher income brackets. Roth IRAs are some of

today's most attractive investing vehicles. In addition to tax-

free distributions, they offer several other advantages over

traditional IRAs: You can continue to contribute, if you meet

all the other requirements, to a Roth IRA after you reach age

70. You don't have to take required distributions from it

during your lifetime. And you can pass it to your heirs, who

will benefit from tax-free distributions.

Some people believe higher-income earners aren't eligible for

a Roth IRA. Not necessarily true. While the income limits for 2015 Roth IRA contributions begin at $116,000 for an

individual and $183,000 for couples, the income cap for conversions was removed in 2010. Anyone can convert a

traditional IRA to a Roth IRA. We asked Abram Claude, Vice President at Columbia Threadneedle Investments, to address

some of the most common misconceptions about Roth IRA conversions.

MYTH: Conversions automatically put you in a higher tax bracket

While pre-tax dollars converted into a Roth IRA are considered taxable income, conversion alone won't automatically

bump you into a higher tax bracket. "Still, it's something to pay attention to and discuss with your financial and tax

advisors," Claude says. "It may be wise to spread out the conversion over a few years to minimize the tax impact."

MYTH: There's no benefit to converting later in your career

The short answer: It depends. On one hand, it does pay to convert earlier rather than later. "The sooner you convert to a

Roth IRA, the sooner you'll begin accumulating tax-free earnings," Claude says.

That said, everyone's financial situation is unique. For example, say you convert to a Roth several years before you

retire. You'll take a tax hit at the time, but that loss could be offset by savings down the road if you end up in a higher tax

bracket. This can be a complex equation; your financial and tax advisors can help you work through the different

scenarios.

MYTH: Only one conversion is allowed per year

"You can perform as many conversions as you like," says Claude. "The IRS only looks at the total amount converted per

year."

MYTH: Conversions from IRAs are irreversible

What if your account has lost value? Or you expect to be in a lower tax bracket when you retire? Or maybe you just want

to pay the taxes on those funds later rather than sooner. The good news: "You can undo your Roth IRA conversion the

technical term is 're-characterize' by October 15 of the following tax year with no penalty, regardless of whether you

requested an extension to file your tax return," Claude says.

Talk to your financial advisor about how a Roth IRA could benefit your long-term financial outlook.

Can You Have Too Much Money? By: Anthony J. Ogorek, Ed.D., CFP

Ogorek Wealth Management LLC www.ogorek.com Is it possible to have too much money? Really? Are you

kidding me? If we posed this question to 100 people, the

odds are that 98 would answer no with the remaining 2

speechless. As with most things in life, people tend to

believe that more is better; but we believe that an

exception to that rule could be made in the case of money.

Lets start by trying to define what too much would look

like. How do we know that we have too much? One way is

to look at the burden that money imposes on your life. For

example, many wealthy people cannot blend in with

regular society since they are at risk of kidnapping or

extortion plots. They have 24 hour guards accompanying

them as well as secluded properties. Although we may

envy their lifestyles, their money has made them outcasts

in regular society.

At the other end of the spectrum are people of fairly modest means who have no idea what to do with the money they

have accumulated through hard work, saving and investing. Their net worth may be modest relative to the wealthy, but

their buying power is wasted because they aspire to a very modest lifestyle.

In both of these instances, there is not an absolute number that defines having too much money. Rather, it all seems to

come back to lifestyle and what you want to accomplish with your life. Bill and Melinda Gates certainly fall into the first

category of uber-wealthy. Although they certainly enjoy a lifestyle heretofore reserved for royalty, they have dedicated

their lives, as well as their considerable wealth, to eradicating global disease as well as educational causes.

Gates and Warren Buffett rolled out The Giving Pledge to fellow billionaires in 2010 in which they pledge to give half

their wealth to philanthropy. Is it possible to have too much money? If you plan to spend it on yourself I guess the

answer is yes. If you plan to use it to help others, it would seem that the sky is the limit.

MD PREFERRED PHYSICIAN CONSULTANTS

Dike Drummond MD is a Mayo trained Family Practice Physician with a unique combination

of ground level experience in medicine, coaching and personal and business development.

Dikes expertise in personal change was developed through a combination of 11 years as a

family practice doctor and 10 years as a business coach working with physicians and startup

entrepreneurs; he has also developed his own unique, interactive guided imagery practice.

Personal Finance Tips & Tools from the world of financial planning

Private schools in most cities are prohibitively expensive.

Right Not according to the numbers. Lets talk elementary schools as a starting point. The U.S. Department

of Education offers statistics that put the average tuition for

private elementary schools at $3,267. Although these

numbers are from 2010, the latest available, the trend line

since that time has been flat or actually downward. The

same study showed that over 40% of private schools had

annual per student tuition of less than $2,500.

And an increasing number of states and cities are offering

vouchers and tax credits for private school tuition. David

Salisbury, director of the Center for Educational Freedom at the Cato Institute, suggests that the perception that

private schools are expensive is due at least in part to the fact that the most exclusive and costly private schools

are also the most well-known. Average private school tuition in many cities is driven by a large number of moderately priced private schools with a few very expensive, well-known exceptions. Median private

elementary school tuition in Denver is $3,528; in Charleston, $3,150; in Philadelphia, $2,504; and in New

Orleans, $2,386.

So before you mistakenly believe that a young physician cannot afford private schooling for their young

children, do your homework. The internet is an excellent research tool. Check the city and state that you are

considering and determine if there is a voucher or tax credit program in place. Your Realtor can help provide

research as well. One place to find a Realtor that does a great deal of work with physicians is

www.mdpreferredservices.com. Most Realtors will be happy to forward detailed information about private

schools in their service area.

Once you have identified the private schools available, contact each and find out what scholarships and private

funding is available. And when it comes time to seriously consider a specific practice opportunity, dont hesitate to inquire if your compensation package can include funding for private school tuition. You may be

surprised how much financial assistance is available.

Finally, dont automatically rule out public schools. In many upscale suburban communities the public schools are world class. Some cities have moved in the direction of charter schools. And where private school voucher

have been offered, there has been an upsurge in the quality of the public schoolsfunny how old fashioned capitalism and competition can do that.

MD PREFERRED PHYSICIAN CONSULTANTS

Drawing on personal experiences on all sides of health care as a patient, a physician, a

family caregiver, a business owner and an entrepreneur Dr. Vicki Rackner helps health care

professionals thrive in the era of ObamaCare.

This former surgeon and nationally noted authority in the doctor-patient relationship helps

clients achieve the personal, professional and financial goals that drew them to a career in

medicine. She offers a bridge between the world of medicine and the world of business.

The Cash Balance Retirement Plan Solution By James J. Di Gesu, CPA, PFS and Senior Vice President of Wealth Health, a personal wealth management and

registered investment advisory firm.

Although April 15th has come and gone, the impact of paying income

taxes may still have a lingering affect for many doctors. Many of these

same doctors find themselves with a retirement plan dilemma. They

have high earnings, pay high income taxes, but have inadequate

retirement savings. This is due to limits on 401(k) tax-deferred savings

and because they have invested heavily in building their practices. If

you happen to find yourself in this situation, and would also like to save

on paying income taxes with a significant tax deduction, adding a Cash

Balance Plan may be the perfect solution.

Keep in mind that a Cash Balance Plan must be established by December 31st to take advantage of tax deduction in

2015, although the plan doesnt need to be funded until the firms tax return is due.

Cash Balance Plans provide participants an annual pre-tax contribution limit of up to $275,000, typically double or even

triple what is allowed in a 401(k) profit sharing plan ($59,000 for 2015 if age 50 or older). Since the contributions are tax

deductible, it is possible to accumulate a retirement plan benefit of $2.6 million over 10 years without consideration of

investment growth potential. If income tax rates rise in the future this tax deferral feature becomes more attractive.

Within a Cash Balance Plan, each participant has a hypothetical account which is credited with annual pay credits

(contribution) and interest credits (typically around 5%). Furthermore, unlike a 401(k) plan the participant does not have

any investment risk. The nature of Cash Balance Plans and the investment structure typically insulates them from market

volatility. The investment goal for a Cash Balance Plan is to protect the tax deduction rather than maximize investment

returns. The investment goal for the investment manager of the Cash Balance Plan is to optimize the returns by meeting

the interest credit rate each year.

When paired with a 401(k)/profit sharing plan, the two are combined for nondiscrimination testing. The Cash Balance

Plan combination arrangement allows maximization of benefits to doctors and other key participants while keeping

employee contribution costs relatively low. Contributions can be a percentage of salary or a flat dollar amount and are

stated in the plan document.

Since Cash Balance Plans are defined benefit plans the contributions and interest credits are not discretionary and

require an actuary to provide the funding requirement to the plan sponsor. Employers can designate different

contribution amounts for various participants which allows for greater flexibility. Once participants retire or terminate

employment, they are eligible to receive the vested portion of their account balance. Cash Balance accounts are

portable and can be rolled over to an IRA. Generally, Cash Balance Plans are ideal for doctors who have practices where

the following exist:

Doctors/partners with annual income exceeding $250,000

Doctors/partners who want to contribute $50,000 or more above and beyond the 401(k) contribution

Achieve relatively steady cash flow and consistent profitability, and

Are willing to contribute 5% of pay or more to employee retirement accounts.

Cash Balance Plans are relatively easy to create and manage. Professional service practices (fields of accounting, law,

medicine or dentistry) that are profitable and are seeking tax deductions will find the Cash Balance Plan an extremely

attractive retirement plan vehicle. Another attraction is the defined benefit plan is protected from their creditors. In

todays litigious society, a Cash Balance plan can be used to protect the doctors assets.

Finally if concerns exist about the amount of taxes youll have to pay or the volatility of your retirement plan portfolio or

maybe that you are late to the game in saving for retirement, consider the addition of a Cash Balance Plan for your

professional practice. The combination of an existing or start-up 401(k) and profit sharing plan with a Cash Balance Plan

can provide significant opportunity to reduce taxable income, a great wealth accumulation vehicle and be a powerful

means for securing the retirement for doctors.

James J. Di Gesu is CPA, PFS and Senior Vice President of Wealth Health, a personal wealth management and

registered investment advisory firm. Mr. Di Gesu specializes in providing personal tax, financial planning and

investment management, including company retirement plans for business owners, executives and medical

professionals. He can be contacted at jdigesu@wealthhealthllc.com or (888)-755-5390

The White Mouse Chip

I had never heard of the London Design Museum until recently. And it still would not be at the top of my bucket list of

must see spots on any future trip to England. But they offer an annual Design award for the best in bioengineering. And

this years winner caught my attention.

And the winner isThe Human Organs-On-Chip designed by Harvard Universitys Wyss Institute. For decades we have

read how Canadian white mice have developed cancer after drinking five gallons of iced tea every day for a month or

how their brains have been implanted with micro chips or electrodes that have increased this or decreased that. Animal

testing of medical procedures, devices and pharmaceuticals has been an accepted part of the development process that

improves the human condition through medical advancements.

Advocates for the humane treatment of lab animals have for the most part concentrated on the environment within

which the subject animals live rather than the larger question of our species using other species to advance our

condition. And now we may be on the eve of a technology that could one day eliminate or greatly decrease the use of

animal testing all together.

The Human Organs-On- Chip device is about the size of computer flash drive and is designed to act as a test platform

mimicking the actions of live human organs. The manufacturing process is fairly straight forward and resembles in many

ways the production of silicon computer chips. But in this case the chips contain microchannels containing a membrane

lined with human organ cells and blood vessel cells. On either side of this bioengineered membrane is a liquid medium

containing human white blood cells on one side and bacteria cells on the other.

The first device is designed to replicate the human lung. Inside the chip white blood cells pass through the membrane

and attack the bacteria cells just as they would in a living organ. Researchers can use the device to study various

infections and the impact that new pharmaceutical compounds have. The process is faster, more accurate, and less

expensive than animal testing. It would obviously not eliminate the need for human clinical trials. But, once perfected

and expanded, the devices could predict the efficacy of drugs in humans without the use of our fellow vertebrates.

A TED Talk Every Physician Should Watch What do we do when antibiotics dont work anymore?

Maryn McKenna

Penicillin changed everything. Infections that had previously killed were suddenly quickly curable. Yet as Maryn

McKenna shares in this sobering talk, we've squandered the advantages afforded us by that and later antibiotics. Drug-

resistant bacteria mean we're entering a post-antibiotic world -- and it won't be pretty. There are, however, things we

can do ... if we start right now.

Here is the link:

What do we do when antibiotics don't work anymore?

Marijuana Is Legal In ColoradoRight? Everybody knows that the state of Colorado has for some time now legalized the medical use of marijuana. In fact the

state is now experimenting with the first sales of recreational pot use. So, pot is legal. Right? Well, not exactly.

The Colorado Supreme Court has just ruled on a case involving a gentleman by the name of Brandon Coats who was

fired by his employer after a random drug test conducted in the work place revealed traces of the chemical component

of pot in his blood stream. The case dates back to June of 2010 when Coats was fired after failing a drug test. Coats

sued alleging wrongful termination. He based his suit on the fact that he was fired, not because he was impaired or

under the influence while working or even for using marijuana in the work place; but rather because his offsite use of

the legally prescribed substance left trace amounts in his blood stream.

To summarize, Coats, a quadriplegic, was using medically prescribed marijuana, on his own time in a state that had

legalized marijuana for that very use. He was not using while on the job and he was not impaired by any legal definition

while at work. He simply tested positive during a random drug test.

The Colorado Supreme Court ruled in favor of the employer and said that Coats was legally fired for violating a company

policy proscribing the use of any illegal substance! Wait a second; I thought marijuana was legal. Well, it may be legal in

Colorado. And it may be legal in the la la land of California and in a number of other states. But it is still prohibited by

federal law! So although the state statute may protect you from prosecution for possession and use, it does not protect

you in the work place.

And the decision wasnt what you would call a squeaker. The justices ruled 6-0 in favor of the employer. The state of

Colorado has an employment statute on the books that prohibits termination for an employee engaging in any lawful

activity. The justices ruled that a lawful activity is that which complies with applicable law, including state and federal

law. We therefore decline Coats invitation to engraft a state law limitation onto the statutory language.

So employees of America be forewarned. Just because your fellow state citizens have legislated your right to toke dont

mean your employer cant bust you for it. I wonder if that would apply to members of a professional sports team based

in the state. I wonder if the league would fire a star quarter back for smoking pot to ease his bumps and bruises in a

state where it has been legalized. Dudewhat a bummer.

Don't let the additional work of ICD-10 drive you into physician burnout

By Dike Drummond, MD

ICD-10 Highlights - Expands the ICD-9 code set of 14,000 to 68,000 - ICD-9 is 3-5 digits - ICD-10 is up to 7 digits including ones for severity, location and cause Here is the CMS website detailing the differences between ICD-9 and ICD-10 In my work with hundreds of over stressed and burned out physicians, one thing is constant. Documentation is always one of their biggest sources of stress. In fact, if you ask the average working doctor to make a list of their top five stresses, documentation chores will take up three of the five slots.

1. EMR - especially if you use multiple EMR software programs that don't talk to each other 2. Dealing with lab reports and refill requests 3. Returning patient and consultant calls and documenting them adequately

The average doc is walking the cliff edge of overload on a significant number of office days in any given month. Now comes ICD-10 and my biggest fear is the extra work of the new coding system will push many physicians over the edge into burnout. How much more time will ICD-10 take? I have talked with several ICD-10 implementation experts who toss out comments like, "Only a couple minutes per patient", as if that were no big deal. If you see 25 patients a day, that is 50 minutes added to your office day starting October 1st. That amount of additional documentation work will drive many docs over the edge if they don't start preparing now. Doctors fall into two groups with regard to coding. Each group has a different challenge and a different learning curve. You code your own charts You and your staff probably have one or more dog eared cheat sheets of your most common codes lying around the office. These cheat sheets won't work under ICD-10. The additional codes for severity, location and cause will need to be added in manually. There is ICD-10 lookup software you will use instead of your cheat sheets. Figure out what code lookup software your organization has built into your EMR. Then dedicate yourself to becoming a power user. When you or a member of your team can look up complete, accurate codes on the fly with the software you will have mastered many of your new ICD-10 coding challenges. And once you have coded a number of charts to ICD-10 standards and see some patterns emerging, you may be able to create some new cheat sheets using the latest codes. Someone else codes your charts Do not think you are out of the woods here. In fact, my consultant contacts tell me this is likely to be an even more difficult transition for you for one simple reason. Your current documentation is inadequate for someone else to select the proper, complete ICD-10 code. Remember the new codes for severity, location and cause? If you don't change your documentation so that information is present in all your charts, two things will happen starting 10/1.

1. Your coder will probably bring every single chart back to you for clarification 2. You will need to go back into the chart to change your documentation in addition to telling your coder what they

need to do their job That double whammy will certainly tear your day to shreds if you don't get started beefing up your documentation now. Learn the additional information you must put in your chart notes to allow your coder to perform to ICD-10 standards. It is up to you to give them the information they need to do their new and more difficult job. No matter what, start to prepare now or your quality of life will suffer. Learn everything you can about ICD-10 and how it will be implemented within your EMR in your practice.

Create your own ICD-10 implementation action plan. This will guide your preparations between now and 10/1/2015. Here's the Road to 10 website from CMS to guide you through the process.

Get with your IT team and EMR vendor and take the trainings on ICD-10 ASAP so you are ahead of the curve.

Make your cheat sheet of most frequent codes - there are a number of situations where a new ICD-10 cheat sheet will still be useful. Remember to include the new severity, location and cause modifiers

Master the ICD-10 lookup software that will be built into your specific EMR program for the patients who don't fit into your hot list. Know how it works and the quickest path to a final answer.

If someone else codes for you, learn the specific severity, location and cause requirements for full coding. Start adding them to your routine documentation habits now.

Most importantly - start documenting and coding to ICD-10 standards now so you don't have to spend an extra hour in the office starting October 1st

Don't let ICD-10 drive you over the edge.

Dike Drummond, M.D., is a family physician, executive coach and creator of the Burnout Prevention Matrix Report with over 117 ways doctors and healthcare organizations can work together to prevent physician burnout. He provides stress management, burnout prevention and leadership development services to physicians through his website, TheHappyMD.com.

MERSHere We Go Again After the recent outbreak and spread of the Ebola virus, we have heard numerous follow-up stories of all that we

learned about the epidemic; all of the mistakes made and lessons learned. If we knew then what we know now, we

would have acted sooner, implemented safeguards, introduced protocols and rushed the development of antibodies

and vaccines, healthcare authorities have lamented. But we will be ready next time.

Well, with the recent outbreak of the MERS virus in South Korea we are seeing many of the same errors and lack of

preparedness surfacing. And when one considers that the virus is far less virulent than Ebola or SARS, and originates in

Saudi Arabia and is passed from camels to humans only in rare occasions, one has to wonder how this outbreak could

get out of hand so quickly.

In South Korea, the focal point of the outbreak, over 6000 individuals are in quarantine and to date there have been 179

infections and 27 fatalities. And the discouraging element in the ongoing event is that nearly half of the infections have

been traced to Samsung Medical Center in Seoul, one of the countrys most prestigious medical facilities. Once again,

the symptoms of the viral infection are very similar to a common cold or flu. And once again, missed diagnosis,

improper precautions, poorly implemented medical protocols have all lead to the spread of the contagion.

Coming on the heels of the intense scrutiny of hospital procedures following the rapid spread of the Ebola virus in Africa,

it is discouraging to find that we are still vulnerable to the rapid spread of viral infections. And when one considers that

human trials have not even begun on any defenses against this particular pathogen and that any antibodies or vaccines

are still years away, it is hard to find comfort in the medical establishments commitment to changing the way we

prepare for and respond to the growing threat of viral outbreaks around the world.

THE RECRUITERS CORNER Tips and Tools from Todays Physician Recruiter

Interviewing is an art not a science. With that said, there are many techniques and practices that can definitely

impact your chances of landing the opportunity. Here are a few more:

Engage Your Interviewer There are many ways to engage your interviewer:

Maintain good posture. Dont slump. Lean forward when the interviewer is trying to make an important point.

Maintain eye contact. Dont let your eyes wander. It sends a message that you are bored, disinterested, disengaged.

Acknowledge the information you are receiving. A nod of the head says you get what the interviewer is pitching. A smile can communicate understanding and even sympathy.

Ask great questions. Probe the issues that are important to the medical practice. Seek understanding of the group culture.

Google It Find out everything you can about the practice or hospital with whom you will be interviewing. Visit their

website. If you were going to use key words in a Google search that would likely bring up their site as a top

result, what would those words be? Then incorporate those key words in your communications. Of course if

those key words dont match up with your style, convictions and philosophy there is a good chance that you are interviewing with the wrong group

Buying Time No matter how well you prepare, there are going to be questions that catch you off guard. There will be times

when you simply dont have a good answer or do not have the facts or figures at your command. Its going to happen. With some thought you may be able to come up with an answer. Buy yourself some time with the old

standby phrase, Thats a good question. You may still end up without the answer but you may be able to finesse the question with a general observation such as, I would not want to shoot from the hip until I am sure of my facts. Let me give that some thought and come back to that question in a bit.

Dont Paint Yourself into a Corner There will come a time during the first interview when the hiring authority or interviewer will try to pin you

down on issues like compensation, relocation, and expectations.

Always be truthful and forthcoming. But dont cast your answers in stone. Project flexibility.

Couch your answers with phrases like, Compensation is only one factor that I will considerorIm sure I can accommodate your schedule for another visitorYour community has many of the things that my family and I are searching for.

Avoid answers that may knock you out of consideration before you have an opportunity to sell yourself completely and make up your own mind as to the merits of the opportunity.

Im Interested You would be amazed how many candidates leave an interview without communicating interest in the

opportunity. If you liked what you saw and heard and are interested in taking it to the next level, make it crystal

clear how you feel and what you would like to see happen. When you shake hands and prepare to leave speak

your mind.

Thank you for your time. I am very impressed with the practice and people. I would be very interested in taking things to the next level. Where do we go from here?

And then follow up with a note, in your own handwriting thanking the interviewer and reiterating your continuing interest in the opportunity.

NEW HEALTHCARE OPPORTUNITIES

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Emergency Medicine - Atlanta, GA - EmergiNet You may know Atlanta as the unofficial capital of the South, but theres more to this city than its southern location. If you make your home in the Peach City, youll find an undeniable mix of Southern charm, sophistication and traditions. Atlanta continues its reputation as a transportation hub with the worlds largest airport and easy access to I-75 & I-85. When it comes to Atlantas reputation for growth and innovation, health care tops the list as the citys facilities expand and improve services across the metro area. Serving some of the fastest growing hospitals is EmergiNet. EmergiNet has positions available for BC/BP, EM residency trained physicians for work in hospitals surrounding the Atlanta metropolitan area. We work as a team emphasizing quality emergency care, dedicated customer service, professional and personal growth. Highlights include: Fee-for-service model having most MDs starting at around $350k with no ceiling; Profit sharing plan after first year including tax-deferred compensation to supplement 401k(100% vested immediately); Physician-centric practice owned and run by physicians; All facilities located within 30 minute drive from downtown Atlanta. EmergiNet provides a full range of clinical and administrative professional services to the facilities we serve. Our mission is to maximize patient care and facility resources, as well as educate, facilitate and integrate the delivery of health care within the community. We continually seek ways to enhance the level of excellence and quality in the services we provide to our clients. To review this and other opportunities E-mail CV to Neil Trabel, ntrabel@emerginet.com; fax 770-994-4747; or call 770-994-9326, ext. 319. Please visit www.emerginet.com for more information. Staff Physician Needed Toledo, OH The Pediatric Center Staff Physician needed immediately to join an established Pediatric practice. You will be joining a medical staff that includes 3 physicians, 6 mid-level providers, supported by 12 nurses. The practice is affiliated with 5 hospitals. Our physicians round on newborns only. We do not attend c-sections. We utilize pediatric hospitalists and/or specialists for patient admissions. Mid-level providers are on call for parents/patients. Diagnostic or Interventional Radiologist Providence, RI A great opportunity for Diagnostic or Interventional Radiologists to join a well-established Imaging Network in Providence, Rhode Island. The group is open to a Diagnostic; Interventional or any other subspecialty you possess. Excellent compensation offered along with generous benefits. In addition, there would be an opportunity to teach and or do research, if desired. One year to partnership for an experienced Radiologist and Two years for a new grad. There is no buy-in! 1:6 call. Providence has a lot to offer and is just under 45 minutes to Boston. OBGYN Indiana Exceptional opportunity to join a busy, vibrant team Call 1:6. State of the art Medical Center. Very competitive compensation and comprehensive benefits including Educational Loan Assistance, Signing Bonus, Paid Malpractice, Paid CME, Relocation, and much more. This city offers excellent public and private schools, University/Colleges and airport. Enjoy an abundance of cultural and recreational activities including water

sports, low tax base, safe neighborhoods, low cost of living, and more. Enjoy an exceptional quality of life. Indiana is among the top 3 places in the nation in which to practice medicine due to its favorable malpractice climate. (Medical Economics) Family Practice Greenville, IL Greenville Regional Hospital, a 42-bed full-service hospital located in Greenville, Illinois, is seeking a BC/BE Family Medicine Physician to join their team. The ideal candidate will be interested in performing the full range of Family Medicine, have the ability and desire to build long-lasting relationships with patients and be a part of the community. Greenville Regional Hospital is hospital employed, outpatient only; competitive salary with productivity bonuses; relocation reimbursement and sign-on bonus offered; student loan repayment options; full benefits package including malpractice and tail coverage; rural background or preference for rural medicine is a plus. Greenville, Illinois is located approximately 45 minutes east of St. Louis, Missouri. The home of Greenville College, Greenville is a modern small town that offers solid, Midwestern values and an intellectual feel. The community is close to a major metropolitan area and access to cultural events, shopping, sports and other amenities, yet its residents are able to embrace the advantages of a rural setting with a lack of congestion, pollution and crime. Family Practice Illinois Excellent opportunity to join a very busy practice adding to their team due to continued growth. State of the art, award winning health system. Very competitive compensation and comprehensive benefits including flexible insurance plan, generous vacation, flexible retirement plan, relocation, Academic appointment available, and much more. Located in a vibrant city with excellent public and private schools and numerous cultural and recreational activities. Easy access to Chicago. Primary Care Cincinnati, OH Primary Care Cincinnati, Ohio One of the top integrated health systems in Greater Cincinnati is seeking physicians trained in Family Practice, Internal Medicine, Emergency Medicine, Internal Medicine/Pediatrics or Occupational Medicine to practice in one or more of their facilities. These physicians will staff a Priority Care facility for internal primary care patients, as well as community urgent care illnesses. Employed opportunities located in Cincinnati, Ohio Full-time and part-time positions are available No inpatient or call responsibilities Flexible 2015 start dates New state of the art facilities with fully equipped lab and x-ray services Complete benefit package with malpractice, long term disability, medical/dental coverage, relocation, retirement plan with matching employer funding. Competitive guaranteed base with bonus incentives Weekend and holiday pay differential. To learn more, contact Arleen Richardson arleen.richardson@rmmedicalsearch.com Job #21463 Dermatology Quincy, Illinois Blessing Hospital is seeking a Dermatologist for a full-time employed position with Blessing Physician Services in Quincy, IL. Must be Board Certified or Board Eligible in Dermatology. The candidate must have a solid work ethic and dedication to providing comprehensive healthcare to patients and their families. The ideal candidate will strive to become an active member of the community, as well as uphold the core values of the hospital.