my uni sending out emails like we’re doing everything we can for you in these difficult times and then proceeding to do absolutely nothing

module 7

Let’s assume you’re the one responsible for selecting career assessments. You may be working for a school district, a college or university, or an organization, or you may own a career consulting practice. With all the assessments available to you, you’re wondering where to begin. Like all career professionals, you want the very best for your clients. Above all, you want the results of the assessments you choose to be helpful. Selecting career assessments often is a balancing act—between cost, certification requirements, reliability and validity, and the needs of clients and employing organizations. But you can’t even begin to contemplate this balance until you have the answers to some basic questions about the assessments you are considering. To get those answers, you could spend a weekend flipping through your old assessment and evaluation textbooks or perusing Standards for Educational and Psychological Testing. 1 But that’s not how most counselors like to spend their weekends! B E G I N BY G E TT I N G S O M E B A S I C I N F O R M AT I O N Answering some key questions before you start your in-depth research will reduce the amount of time you’ll need to spend with publishers’ catalogs and in online stores—time that could be better spent with your clients. 1. How big is your budget? Considering that career assessments range in cost from free off the Web to more than $3,500 per administration, the answer to this question will focus your search right away. 2. Who are the potential respondents? You will want to know the respondents’ reading and education levels, their facility with English, and any other factors that may influence your decision. 3. What will the results be used for? Are you looking for a questionnaire with which to begin the career exploration process with clients? Or a sophisticated tool that predicts occupational choice? Do you need an interest assessment to be used in a university career guidance class? Or a personality assessment for organizational career development? 4. How much time do you want the testing to take? There are two things to consider here: time to administer and time to interpret. And you want the testing and the interpretation to occur as close together as possible. Selecting Career Assessments W H I T E P A P E R / P A G E 1 Judith Grutter, MS, NCC, MCC Principal, G/S Consultants 1. From American Educational Research Association, American Psychological Association, and the National Council on Measurement in Education. Washington, DC: 1999. W H I T E P A P E R / P A G E 2 5. How will assessment results be communicated to respondents? Some assessments lend themselves well to group interpretation. Others are more appropriate for one-on-one interpretation. Still others are self-scored. 6. Who will interpret the results? Assessments are rated according to the complexity of their content. Some are self-explanatory, while others require a licensed psychologist to explain the results. Most fall in between these two extremes. N A R R OW D OW N T H E P O S SI BI L I T I ES You now have the answers to some basic questions about your organization, your clients, and the circumstances for testing. This information will be helpful as you compare one assessment with another. But as we said earlier, there are hundreds of assessments from which to choose. Where do you start? Answering the following questions will help you narrow your selection. • Who publishes career assessments? If you were to Google “publishers of career assessments,” you would get more than 9 million entries! But there are really only a few publishers of reputable career and psychological assessments. • How do you know if a publisher is reputable? Reputable publishers have a Web presence, publish catalogs, and have knowledgeable representatives who can answer questions about the reliability and validity of the instruments you are considering, as well as your practical questions about cost and ordering information. They also have customer service representatives who can help with questions after you have made your purchase. • What do other users say? If possible, benchmark evaluation criteria that are similar to yours and ask users’ opinions about the pros and cons of instruments they have used. • What do the experts say? Read reviews of assessments by objective evaluators. Reviews of most major career assessments can be found at Buros (www.unl.edu/buros) and in refereed journals such as the Journal of Career Assessment. 2 I T ’ S T I M E TO STA RT YO U R L I ST By now you probably have five or six assessments in mind, and maybe as many publishers. And you know your requirements. It’s time to start contacting publishers and asking your questions. First, find the representative who handles career assessments for your type of setting. Then ask that person the questions that follow in the order of their importance to you. An evaluation worksheet is provided at the end of this paper that will help you organize the information you are gathering. Duplicate and fill out the worksheet for each instrument you are considering. 1. What does test X measure? You have already determined where the assessments you are considering will fit into your career development program, so you know whether you are looking for a measure of interests, values, personality, skills, or something else. 2. Published by Sage Publications, Bethesda, MD. www.sagepublications.com W H I T E P A P E R / P A G E 3 2. How much does it cost? There is a staggering variety in the quality of assessments available to career counselors. Both research and graphics sophistication to improve usability increase an instrument’s cost. As the saying goes, you get what you pay for, and poorly developed, less expensive assessments can do more harm than good to your clients. As you consider the cost question, be sure to factor in licensing and leasing costs, expenditures for special equipment and/or software, administrative time for scoring, and postage expense for shipping and scoring, along with the obvious cost per administration. 3. For what audience is the assessment intended? What is the reading level of the instrument and support materials? Is the content relevant to your clients? These questions are usually considered together, as they all relate to the appropriateness of assessments for your clients. Most career assessments are written at approximately an eighth-grade reading level, but in some cases the conceptual level is higher or lower. You don’t want to insult respondents with assessments that are too simple or frustrate them with assessments that are beyond their capabilities and needs. The content should draw on the experience of potential respondents. This question has to do with the “fairness” of the assessment. It is difficult to obtain accurate results for an instrument whose content isn’t familiar to users. 4. How much time is required? Factors include: • How long it takes for the typical respondent to answer the questions. Note: Having more items tends to increase the reliability of results. • How long it takes to obtain the results. The sooner results are available for interpretation after completion of assessments, the better. • How long it takes to interpret the results. 5. What is the format of the assessment and interpretive materials? Clients have varying expectations of career exploration materials. College and university students tend to prefer an online interactive format with immediate results. Older adults may be more comfortable with a penciland-paper response format. Some respondents expect color and slick graphics; others care only about data and depth. Respondents tend to give more credibility to computer-scored results than to self-scored results, although even this varies by school/work setting. 6. Is a manual available that covers useful information for the test user and evidence of the instrument’s reliability and validity? STOP! If this information isn’t readily available, you don’t need to consider that assessment any further. 7. When were the instrument and the manual published? In career development, perhaps more than in other fields, keeping current is critical. 8. What training is required to purchase and interpret the assessment? Most publishers have a system for rating their assessments according to the complexity of content and depth of information. For instance: W H I T E P A P E R / P A G E 4 • A-level assessments such as questionnaires and checklists carry no restrictions and provide general information. • B-level assessments, including most of the standardized interest inventories used in career counseling, usually require the completion of a college course in psychometrics or an equivalent qualifying program. These instruments tend to provide the counselor with normative information that can contribute significantly to the prediction of occupational choice. • C-level assessments, often used in clinical settings, require an advanced degree and/or licensing in counseling or a related field. They are used primarily in clinical practice. Reputable publishers are concerned with the potential harm to respondents that can result from lack of proper user certification. They clearly state user certification for each instrument they publish and require verification of certification at the time of purchase. T H ER E A RE S O M E T E C H N I C A L C O N S I D E R AT I O N S TO O In order to evaluate the psychometric properties (qualitative value) of career assessments, you will need to refer to the publisher’s manual for information on test users and evidence of the instrument’s reliability and validity. These technical considerations tell you how much trust you can place in respondents’ results. Without evidence of an instrument’s reliability and validity, the results will likely not be helpful for your clients. Evaluating the technical properties of career assessments requires an understanding of some basic psychometric statistics—not always the favorite subject of counselors. It may not be surprising to you that research on personality classification systems such as Holland’s RIASEC framework and Jung’s mental functions as represented by the Myers-Briggs Type Indicator ® (MBTI ®) instrument confirms that “helpers”—people who are attracted to occupations such as counseling and teaching—are not naturally attracted to statistics, research, and psychometrics. And yet assessments are a vital component of any career counselor’s tool bag. Students and other clients often ask questions such as, “How likely is it that my results will come out the same if I take this test again?” and, “What is the test really doing?” These are questions about the assessment’s reliability and validity, and knowing the answers not only ensures that you’re selecting career assessments that really “work,” but also increases your credibility in the eyes of more technically inclined respondents—your business and engineering clients, for instance. The basics are presented here. If your curiosity is piqued or your employment setting demands a more technical knowledge base, there are hundreds of psychometric references at your disposal. 3 The first technical consideration in evaluating assessments is an instrument’s reliability—how likely it is that respondents will get the same results if they take the assessment again. If a test isn’t reliable, the results are little more than random and certainly can’t be trusted. 3. Two of the most widely used psychometric references are A Counselor’s Guide to Career Assessment Instruments (Kapes and Whitfield 2002), published by the National Career Development Association, and the seventh edition of Psychological Testing (Anastasi and Urbina 1997), published by Prentice Hall. You should be able to find data on an assessment’s reliability in its manual or in a summary statement issued by the publisher. Look for both internal consistency and test-retest reliability correlation coefficients for each type of scale on the assessment and for client groups that are similar to yours. Correlation coefficients range from 0.0 to 1.0. The higher the coefficient, the more likely the test results are to remain stable. The standard of excellence is at least .80. Once you have established that an assessment is sufficiently reliable, you are ready to consider whether the assessment actually does what it claims to do—its validity. Evidence of validity is a little more complex than evidence of reliability, as we can’t rely exclusively on one statistic for its evaluation. Determining an instrument’s validity is like putting together the pieces of a huge puzzle—collecting pieces of information from a variety of research studies, each of which contributes to our understanding of what the test measures. For that reason, you won’t see correlation coefficients in the .80s and .90s. They may even be as low as .20. In fact many validity studies don’t include correlation statistics at all, but rely instead on expert opinions and ratings. It is beyond the scope of this article to cover all the forms and statistical variations of validity. Here are just a few examples of the kinds of evidence you would expect to be included in the manuals for career assessments. • Content validity. You won’t find a statistic for content validity. You are more likely to find reviews by panels of experts or a narrative in the assessment’s manual describing the content domain of the instrument. You want to be sure that the full domain is covered. For instance, if a personality inventory based on Holland’s theory of personality types and work environments gives short shrift to the Realistic category because it doesn’t want to offend university-level respondents, it isn’t covering the RIASEC content domain adequately. • Construct validity. The manual should provide evidence of the construct that is being measured. You might find correlation studies between a new instrument and an older “tried-andtrue” one that has already been validated. You might also find correlation studies between respondents’ scores on a particular scale and some outside criteria such as professors’ ratings. Students’ scores on a hypothetical measure of “wanting to work with people” might be correlated with professors’ ratings on a scale of “gregariousness,” looking for significant correlations. • Predictive validity. Some assessments claim to predict future behavior. In such cases the manuals should describe long-range studies that support their claim, and you should be able to find continuing evidence in refereed journals. No assessment is perfectly valid or reliable. There is always some error that may muddy the waters—attributable to either the instrument or the behavior of the respondent. Clients’ responses may be affected by misreading a question, accidentally clicking the wrong button on a computerized inventory, or being in an unusual mood due to events that occurred just prior to testing. Personality assessments do not usually publish statistics for this error, but for any measure of aptitude/ability, a standard error of measurement, or SEM, should be clearly stated in the manual. W H I T E P A P E R / P A G E 5 Finally, any instrument that is reliable and valid, and that claims to be normative, should compare respondents to groups that are broadly representative and meaningful to the issue in question. The assessment might answer questions such as, “How much interest do I have in helping others compared to people in general?” or, “How similar am I to typical engineers or architects?” A manual for a normative instrument should thoroughly describe the groups with whom respondents are being compared—by age range, gender and ethnic distribution, educational level, geographic representation, and so on—and the norms should be as current as possible. As a rule of thumb, norm groups should be sized in the region of at least 100. Some career assessments do not compare respondents with norm groups and have the individual respondent as their only frame of reference. For instance, respondents might be asked to answer questions that indicate their level of interest in several categories to see which categories are the most attractive to them. Their responses are tallied to determine which categories come out the highest, rather than comparing their levels of interest with those of others. Non-normative instruments are usually classified as A-level and do not provide the depth of information that can be obtained from carefully normed assessments. S U M M A RY It was suggested early in this paper that selecting career assessments can be and often is a balancing act—between cost, certification requirements, reliability and validity, and the needs of your clients and employing organizations. And before you can even contemplate such balance you must have the answers to the basic questions that have been covered here. You should be able to answer most of them by looking at publishers’ catalogs or manuals. Two forms follow that are designed to streamline your questioning: a checklist to evaluate publishers’ answers to your questions and a summary worksheet to duplicate for each instrument you are considering.

Research Proposal

What will it be about?

Continuing threads of questioning from Show Me What Your Heart Feels Like, I will be exploring sound as touch through looking into ASMR and the work and concepts of Pauline Oliveros. 

Context - caring, intimacy and community as survival during the apocalypse, a metaphor for the pharmacopornographic regime + my own ideas. To address this, I also think its necessary to briefly touch on the passing of trauma as the source of the state we’re in - how does trauma accumulate over centuries?

Sound as touch by proxy – a way to make contact with something or someone that is beyond your hand’s reach. Touch as communication, as intimate moment, as engagement, as relation, as mirroring.

Ways of connecting and building communities through intimate exchanges, specifically sonic experiences.

Intimacy in the digital age, with a focus on ASMR and queer intimacy as radical.  How is care facilitated/shared online, how does it create communities, how communities form over a shared action/interest.

Artefact

Many small artefacts or exercises to generate knowledge, that maybe will culminate in an assemblage or maybe I’ll pick 1 or 2 to focus on. ASMR videos (digital sonic connection – but physicality of the property of sound isn’t lost), singing to a plant, collaborating with machine learning, a performance for myself.

ASMR 

During the research stage of the group project, I looked into ASMR and the ASMR community as an example of connecting and performing intimacy online. I would like to extend this research into my individual work and produce an ASMR video, perhaps several, to explore radical intimacy, with an emphasis on queer intimacy and the disruption of societal norms through these virtual methods of connecting/forming communities. I will also look into sound as touch, drawing back to Barad’s text on touching, and create a character/avatar that will produce these videos.

Subject of care

Who receives the care? Just humans? Haraway inclination – doing live ASMR for plants, rocks etc.

Why sound?

Why sound as opposed to visual arts or anything else? Because of the physicality of it – the physicality isn’t reduced by virtuality. It doesn’t lose its touching quality through digitisation. If anything, having music online has changed the way we listen, the quality we expect (something we spoke about in Atau’s performance module). The way musicians make money isn’t so much about gigs nowadays anyway (tho if they reach an amount of fame, they tend to travel, and if they’re in the game for a while, they’ll visit a country several times). Sound as most intimate sense (Schafer)

We’re used to a distance when engaging with sound. If we’re at a gig, we’re listening to the amps, not the live performer (usually). So we can feel just as satisfied, if not more, when we’re listening from the comfort of our home. 

Finding new/reconfiguring relationships with our senses through tech = new art forms = new standards. New art = new communities. New sounds = new ways to connect.

Why care?

Why is care, connection and intimacy important? Other than it being necessary for humans, I think it’s important considering the context we’re in. I think about generational trauma, and how the world we’re living in is a reflection of the accumulation thereof.

We’re living in the pharmacopornographic regime (Testo-Junkie), with power-over and destruction being the main driving force of society (Dreaming the Dark). With climate change being as it is now, our time left is short. If we want to save ourselves, we’re going to have to start taking care of each other, of the earth, and that includes everyone (Haraway). I believe the level of technology we have now can be used to reconfigure our relationship with the world if we focus our energy on making our systems more efficient. Aside from environmental developments, we need to be focusing on each other, we need to mobilise tech to connect to each other in meaningful ways.

The best Methods for Dealing with Web-Page Glitches

This brief article clarifies the operation of developing problem dealing with to acquire a eshop that uses host-element scripting. Optimal error taking on is needed to make sure that clients of the eshop have a very good undergo in their travel to. Any professional person net site will have to be totally tested onto a staging server before being deployed onto the real world wide web server. But the truth is, it is far from forever easy to expect just about every single quite possible mistake and incredibly good miscalculation taking care of will notify the two individual in addition the web master about complications with the web page inside of a formulation platform.

Whenever we have a discussion about eshop blunders, the two main various sorts we have to converse about. Life threatening mistakes trigger setup within the script to stop including a internet page miscalculation (HTTP situation computer code 501) being said in to the owner. An exemption happens to be an miscalculation chucked by host-side script that might be contained thru scripting and let the net website page to continue to be displayed. An illustration of this this form of exclusion is the data base inquiry which then causes an different but doesn't abort delivery using the existing script.

Building a Code Library

For you to provide continuous error taking care of throughout a eshop, a propagated policy module is generally built which supplies almost all of the miscalculation working with info. The aim is to not ever perform policy to make sure that everything is managed in one central location. Because of this, any alterations or modifications that must be made to the policy only need to be performed and once. A high-quality problem taking on collection will possess means of exhibiting a genial concept at the guest not to mention pick up the debugging critical information necessary for technical support.

Any encoding foreign language is different, so it will likely be as much as the builder to decide strategy to the best utilize the miscalculation taking care of. The target ought to be to make it functional and intuitive so as that it can be used in a variety of circumstances. It needs to only need a little amount of computer code to cover a section of scripting policy with problem managing.

Exhibiting Helpful Messages

There are several selections for displaying pleasant error announcements in to the consumer. Model option is only to end handling on the entire internet page and exhibit an error that reads "Sorry, this website can not be presented presently caused by an inside point. Our technical support company continues to be notified and will projects swiftly to fix this condition." This could be simplest way to handgrip any unusual flaws that people are prepared for through the use of hosting server-edge scripting.

An alternative choice will be to demonstrate the maximum amount of of that website page as is feasible and place an extremely observable miscalculation sales message on screen. This communication would looked over "Incapable to do activity attributable to an internal mistake." The aim of this style of controlling simple fact that we provide the owner the ability to appropriate the dilemma and test the procedure in the future. Such type of scenario is typically a from submitting the places horrible knowledge may cause an error by the online page.

Debug Critical information

Once machine-team code are prepared for the error, it is vital that debug facts are sent to the webmaster and technical support crew in order for concerns is in many cases addressed effectively. This debug data is quite different from the warm and friendly mistake principles that could be showed in to the client. It contains definitely detailed information around the code which resulted in the problem, and any other relevant critical information.

The single most Fix my website flaws will be a database fault a result of a malformed SQL document for websites which tend not to use kept steps. This kind of fault can easily be captured and managed throughout web server-aspect code. In cases like this, the particular debug critical information we would like to see is your resource for the error (document name and collection phone number) by way of a pile locate and in addition the offending SQL script which induced the error.

Several other bits of critical information we wish to see is your Website url along with the inquiry string. The require method (GET or POST) and everything version specifics passed on in to the set of scripts. Additionally, any biscuits setup by the client's machines would additionally be great for reproducing the mistake. This may sound like a great number in fact it is. The thing is, we must get quite as much critical information as it can be so the obstacle is in many cases acknowledged and adjusted easily.

Transmitting Debug Critical information

When we have this debug critical information, we need to send it to your website owner and technology help and support club. The most effective way of accomplishing that is to send an e-mailbox filled with the above critical information. One particular way is to store this data in a very data base in which it actually is accessible by having a company intranet.

As a form of biggest perform, you should think about accomplishing together to eliminate the chance that one way falls flat. Definitely, if for example the whole set of scripts fails and quits undertaking, then no information is going to be sent. This has become the dangers of problem handling. Site owners will regularly analysis their fault controlling to ensure that all sorts of things succeeds, in the form of provision to avert this.

Web master Alerts

Notices about faults are delivered with message dealing with nearly every fault, as previously mentioned. Periodically, it doesn't appear sensible to possess your inbox loaded up with a lot of e-mails. The next alternate can be to develop an Feed. RSS refers to Fairly Easy Syndication or Rich Information site Summary. It is sort of a reports provide for that gives headlines in addition to a synopsis to consumers.

Getting an RSS visitor app, members can be given notification from their computing device or cellphone about new problem studies which get created. The Rss or atom website reader can look at the web site host all 5 minutes for first time worries. There are many program code libraries readily available for putting together Rss or atom company online. Additionally it is not very tough to design your very own made to order service from an RSS feed is not actually a large amount of over a dynamically-produced XML file that conforms in the Really simply syndication specification.

Even for a lot quicker responses years, it may be somewhat unimportant to add in a alert (or notify mechanism) while using Text message or text messaging on to a mobile device handful. So, just like a pager was adopted extended ago, area buyers should be notified instantly every time a major issue ensues. Since it is a message, critical information for example website Website url, or miscalculation form might also be provided by the warn. An application would need to take care not to flood users with loads of sms messages. When it is each and every single 15 minutes and maybe constraint the total wide range of mail messages each and every day to 25 a prime observe will be to reduce communications to.

Fault Notice Understand Emails

For internet resources that generate a lot of people fault notifications each and every day, it can be not as much intrusive to aggregate all the error notifications into an break down. A break down is really a simple survey that contain the different error documents that have been documented for any day. States would have to be registered in both a data source possibly in a ripped-submit as an example XML data format. A scheduled concept is run at the end of the same day that records the various glitches for the entire day and develops a particular special article.

This kind of state cuts down on the quantity of fault mail messages which get sent out with e-mail. So, a first-class compromise might be to forward an e-send understand daily and perhaps receive an Intranet or RSS feed for almost instantaneous alert of issues. Needless to say, this kind of alert mandates that the web master or tech support man or women be ahead of their desktop or cellular generally if the notification is gained.

Refining Mistake Taking care of

There is absolutely no definite concept for a way mistake coping with should be carried out. That being said, each individual situation is unique and care really need to be brought to resolve how to handle errors. Periodically, we can get corrective procedure by the strategy code for getting "near" the problem. In such a case, we could not must showcase any miscalculation in any way.

When displaying polite blunders, make an effort to put yourself in the user's athletic shoes. When I were definitily at the document along with a critical problem came about while having processing, types of text would I like to see? Would need to this fault incorporate data teaching how to submit opinions at the site owner? In case the mistake feature url links to help and support papers that could perhaps imply workarounds? Would need to this communication include a procedure that notifies members (doubtless through e-mail) whenever the main problem continues to be resolved?

There is a multitude of many kinds of considerations to select when creating purchaser fault controlling. We hope that this article has peaked your interest on possessing a special miscalculation dealing with unit in your internet site if hardly anything else. Mistakes would definitely be a annoyance to both of these eshop information site and house owners targeted traffic. Helping to make your web sites responsible and powerful should be a superior consideration within firm.

When Telemedicine Opens Extra Than One Door

This put up comprises affiliate hyperlinks.

Dr. Saya Nagori is an ophthalmologist and the CMO/Co-Founding father of the telemedicine corporations SimpleContacts & SimpleHealth. As an skilled on this discipline, she is motivated to steadiness work and pleasure in a means that matches her most well-liked way of life’s bottom-line. Have you considered pursuing telemedicine as a passive earnings supply however didn’t understand how sensible it might be for you and your loved ones? Dr. Nagori fashions the way it’s performed.

I had the pleasure of interviewing her for this version of True Physician Tales for Passive Earnings Docs.

Inform us a little bit about your self.

Dr. Saya Nagori

The specialty that I used to be formally skilled in is Ophthalmology however over the previous couple of years, I’ve been doing Telemedicine, each in eye care in addition to consulting in different specialties. My non-public apply is positioned exterior of Washington DC and my firm Easy Well being / Easy Contacts is positioned in Manhattan. I do a good quantity of touring between NYC and DC for conferences for Easy Well being.

I’m actually fortunate in relation to household – each mine and my husband’s household are east coast-based, so we get to see one another typically. My husband and I like to journey, though it has develop into much less frequent since beginning my apply. We love hanging out with family and friends in NYC and DC – particularly at our sushi restaurant! Shameless plug for our sushi restaurant Sakerum – the perfect sushi spot in DC!

Inform me about Easy Contacts and Easy Well being. Why did you begin them?

Truthfully, I didn’t understand once we obtained began how huge it might develop into. We have now grown from a staff of three to a staff of virtually 80. I met my co-founders in 2015 and the concept slowly developed.

Telemedicine was not practically as standard as it’s at this time, and on the time to me, its progress appeared inevitable. I believed, what if we will reserve the physician’s workplace and the in-person visits, for simply the sickest sufferers?

Everyone knows as physicians that no two sufferers are alike, however they’re all scheduled for a similar 15 minute or 30 minutes time slot.

My wholesome 25-year-old affected person with no complaints and ideal imaginative and prescient, merely there for an Rx refill, requires much less of my time than my 80-year-old glaucoma affected person who has already misplaced important imaginative and prescient.

Easy Contacts and Easy Well being are geared toward doing that – creating acceptable danger stratification and offering easy options in a rising affected person inhabitants.

How did you get began?

I had been dabbling within the entrepreneurial house solo since 2011. I went to each meetup, convention, and networking occasion that I may.

I watched a whole lot of YouTube movies, learn a whole lot of blogs and newsletters, took in-person and on-line programs, listened to audiobooks on my subway commute, and infrequently realized by trial and error.

I really invested cash into my very own failed concepts from 2011 to 2014. After going to a number of meetups, and speaking to many, many, many individuals, I obtained launched to my co-founder, now SimpleHealth CEO, Joel Wishkovsky, via a pal.

The 2 of us attended a startup convention, pitched the concept, and really received the pitch competitors. That’s once we knew this might actually be one thing worthwhile to individuals.

How a lot time are you placing into the companies?

It actually varies. There are some weeks when I’m touring for it and it’ll take up 2 to three complete days out of my week. Different weeks, I’m working from residence, placing in perhaps Eight-10 hours per week.

You’re instructing about it? How?

Sure! This has develop into a ardour undertaking of mine. Actually, each physician I’ve met within the final three years needs to choose my mind about telemedicine and how you can get began on this house.

So, whereas I used to be in between jobs in 2018, I spent 400 hours creating an internet course for medical doctors and well being care suppliers to get began in telemedicine. It’s really the one complete formal coaching on the market to assist physicians and well being care suppliers get began in telemedicine. [PIMD: You can check out my review of her course here.]

Are you continue to working towards medication and in what capability?

Sure, I simply launched my very own non-public apply exterior of Washington DC. I made a decision to exit alone as a result of I’m constructing it to be telemedicine prepared from the bottom up.

If you would like issues performed a sure means, you actually should do it your self. Moreover, by being alone I can get issues performed rapidly. No purple tape from huge establishments and I can construct a apply that each sufferers and physicians are enthusiastic about.

My aim is to onboard medical doctors who will ultimately have the ability to work not less than two days per week from residence by way of telemedicine and go away the in-office visits for procedures and emergencies.

How can you steadiness being a doctor, being married, your corporations, and all of your different hobbies or leisure actions? The place do you discover the time?

I actually have reduce out the whole lot that I used to be losing time on earlier than. If it wasn’t giving me both happiness or progress return, it was gone. The expansion return may very well be private progress, entrepreneurial progress, monetary progress, or academic progress.

I additionally accepted that I didn’t should do issues that I didn’t get pleasure from. For instance, I’m not an enormous fan of cooking. And, I’m not good at it, nor am I environment friendly, and I actually don’t care to develop into environment friendly.

Cooking dinner each evening would take up 2-Three hours between buying, prep, cooking and clear up. So, now I do it perhaps twice a month if I actually need to, and because it’s simply me and my husband most nights, we’ll order or get ready meals from the grocery retailer close by. As medical doctors, we expect we have to do all of it. And we don’t.

What are these hobbies or leisure actions? How do you let off steam?

This ties in with the above. I and my husband are very social so as an alternative of cooking, we’ll often exit to eat. We’re the couple that can choose to take a seat on the bar on the restaurant and chat with our neighbors or the bartender as an alternative of ready for a coveted desk. Other than making an attempt eating places, we get pleasure from touring and simply hanging out with our household and pals.

I additionally attempt to work out Three-Four instances per week.

Fairly truthfully, I’ve little or no stress as a result of I actually love doing all of it. Ever since I left conventional hospital medication, my stress degree has massively gone down.

I actually was so excited each morning to excellent a module for my telemedicine course, or report voice-overs. I’d stand up earlier than my alarm went off. And that NEVER occurred to me earlier than a day I used to be scheduled to see 50 sufferers within the clinic.

How has the earnings from the model impacted your apply of medication? Do you contemplate it passive in any respect?

It isn’t passive proper now, however as is true with any enterprise – spend the time to construct it now and ultimately it’ll develop into a income that requires much less and fewer of your time. However in case you are an entrepreneur like me, or need to be an entrepreneur, you’ll in all probability be on to the following concept. However, the sweetness is that the earlier concept can now assist your subsequent concept.

How has earnings from the corporate impacted your loved ones life?

This query is ideal as a observe as much as the earlier one. So, though the earnings is just not passive, the earnings from telemedicine has given me a lot freedom!!! I can do business from home so many days of the week and maybe because of this my stress degree has gone down a lot. Take into consideration how anxious the hospital or a busy clinic is.

Being in a peaceful atmosphere like my own residence and likewise with the ability to capitalize on pockets of time inside my day is big!

If I had a no present go to within the outpatient clinic within the hospital, then perhaps I may return some emails or leap on a fast name. But when a affected person no reveals by way of telemedicine, I can get a piece out in, I can fold the laundry, I can watch TV, I can take a nap! Telemedicine is not only nice for the affected person, it’s actually nice for the doctor too.

And there’s no commute. There isn’t any “Oh no, there may be this surprising accident on the highway, and now all my AM sufferers are going to be pissed.” There have been many days when

I used to reach on the workplace already stressed. Within the strictest definition, no, telemedicine is just not passive, nevertheless it actually is about as shut as you will get for those who don’t need to fully go away medical medication behind.

Something you’ll have performed otherwise alongside the best way?

I’d have invested money and time earlier. It’s so onerous to take the leap for doing or studying something new. You assume, “Oh it will take up an excessive amount of time, or that is too costly, I’ll do it later.” But when telemedicine and entrepreneurship is one thing you may have been serious about, begin now.

There may be at all times a studying curve and people first few months are at all times a bit complicated and you are feeling like a fish out of water. However, you must undergo that it doesn’t matter what. So it’s greatest to do it up entrance and get it over with.

Any piece of recommendation for different physicians who’re contemplating pursuing different sources of earnings?

I’d say spend money on your self. Sure, there are many methods on the market to make passive investments and passive earnings (and you need to!), however ensure to avoid wasting of that cash to spend money on your self to additional your objectives.

Should you construct a piece life you like, it will likely be a supply of pleasure for you. If there’s something you may have been serious about whether or not it’s telemedicine or innovation, make the sacrifice – whether or not it’s time or cash or each – and recover from the worry of doing one thing new.

What’s subsequent???

I and a number of other different entrepreneurial physicians are internet hosting the primary startup convention for medical doctors by medical doctors!

No different convention like this exists and we need to assist all of the budding doctor innovators get into the house, assist develop their concept, and welcome them with open arms into the well being innovation ecosystem.

This house is not only for tech giants and medical doctors belong in it. Physicians are the brains behind healthcare innovation and we’re giving them the assets to get their concept off the bottom.

Even when your concept is just not tech heavy, however it might probably make a distinction, we would like you there!

The web site for speaker bios and ticket data is at www.medicineandtech.com. The speaker record is fairly spectacular. And in an effort to ship the perfect expertise, and guarantee nice networking and facilitating connections, we’re capping the convention at 100 doctor attendees.

And be happy to achieve out to [email protected]. I didn’t actually have many doctor-preneur mentors, so I’m blissful to assist different medical doctors after I can.

Did you get pleasure from this True Physician Story with Dr. Saya Nagori? She has an excellent story most of us can relate to. Would you thoughts telling us what you really liked most? Faucet into Passive Earnings Docs Fb group and tell us! 

from Easily Maker Money https://easilymakermoney.com/2019/03/28/when-telemedicine-opens-extra-than-one-door/

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Do you need $1 million to retire? Maybe

by Maurie Backman for The Motley Fool   @CNNMoney July 21, 2017: 10:14 AM ET

When we talk about saving for retirement, we tend to throw around the $1 million figure as a target to aim for.

Why $1 million? Perhaps people are drawn to that number because it’s nice and round, and also substantial. After all, $1 million seems like it would make for a pretty comfortable retirement.

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Of course, there are also those folks who insist that it’s possible to get by on a lot less. And in some cases, that may very well be true. But for the most part, even if you’re an average earner, that $1 million might actually be the right number to save for.

How well do you know your retirement costs?

I can imagine what you’re thinking: “I don’t need $1 million to retire, because I don’t live an expensive lifestyle.” But be that as it may, there are still a number of unavoidable costs you’re apt to face as a retiree, whether you’re the extravagant or frugal type. Let’s start with healthcare, the one expense that almost universally goes up for seniors.

Even with Medicare benefits, according to the latest projections, a healthy 65-year-old couple today can expect to spend $400,000, if not more, on healthcare throughout retirement. And that doesn’t even include long-term care. Assuming a 20-year retirement, that’s $20,000 a year.

Now let’s look at some other obvious costs in retirement, like housing, transportation, food, and clothing. Here’s what seniors today are currently spending on all of these:

Housing: $15,528 per year

Transportation: $6,852 per year

Food: $5,508 per year

Clothing: $1,417 per year

Now, if we add in that $20,000 a year in medical care from above, we arrive at a yearly total of $49,305. Of course, we also need to account for things like water, heat, electricity, phone service, and cable. (If you think you’re not going to watch TV once you’re retired, think again.)

While those costs might vary based on where you live, it’s reasonable to say that you’ll spend another $4,000 annually, if not more, bringing our total up to $53,305.

Then there’s leisure, the one cost you can control — but only so much. While there’s a difference between spending most of your days traveling versus staying local, given the amount of free time you’ll have on your hands, it’s fair to assume that you’ll spend at least $200 a month, as a couple, on entertainment. And that’s an extremely modest estimate. But if we factor it in, we now arrive at an annual spending total of $55,705. The question is: Where will it come from?

How much will you need to save?

Let’s see what it might take to get at that $55,705 per year, assuming you don’t have a pension or outside income source to work with. The average current Social Security recipient collects about $16,320 in benefits each year. For a couple, that’s $32,640. If we subtract that figure from $55,705, we arrive at $23,065 per year needed from independent savings. Multiply that by 20 years, and we arrive at a total of $461,300 — not even half the $1 million figure we alluded to earlier.

Now at this point, you’re probably sitting there thinking: “See, I was right.” But wait, because there’s one major expense you haven’t yet accounted for: long-term care.

An estimated 70% of Americans 65 and older will end up needing long-term care, and generally speaking, it’s not covered by Medicare. According to the latest estimates, it costs $82,125 a year for a semi-private room in a nursing home, or $92,345 for a private room.

Imagine you wind up needing nursing-home care for five years, and you don’t have long-term care insurance to help pay for it — which is the case for many folks, since those premiums are quite expensive. Even if you go with the cheaper option, you’re looking at an additional $410,625 right off the bat ($82,125 x five years). If we tack that onto the $461,300 from above, we get a new total of $871,925.

Now let’s go back to leisure for a minute. In the above calculation, we budgeted in $2,400 a year in entertainment costs. But what if you want to spend your first five years of retirement traveling extensively, and it costs $20,000 a year to do so on top of that $2,400 we originally talked about? Suddenly, you’re looking at another $100,000, bringing our total up to $971,925.

And let’s not forget home repairs. Granted, you may not own property in retirement, but if you do and your foundation starts sinking, or your heating system goes, you could easily be on the hook for $10,000, $20,000, or more. Suddenly, we’re pretty much right at that $1 million figure.

Of course, all of these calculations are based on different assumptions and scenarios that may or may not apply to you. But you may wind up needing, or wanting, that much money — depending on how life plays out.

Amassing that $1 million

Maybe by now you’re convinced that $1 million isn’t just a crazy number to aim for after all. The question is, how do you get there? And the answer is simple: Start saving early on. If you give your money time to grow, you can turn a series of smaller contributions into $1 million over time.

Imagine you’re able to set aside $750 a month for retirement. If you do so consistently for 30 years and your investments generate an average annual 8% return — which is just below the stock market’s average — you’ll wind up with just over $1 million in your nest egg.

On the other hand, if you wait even five years to start saving at that level, you’ll have just $658,000 to work with. Along these lines, if you give yourself an extra five years to save, you can reduce your monthly retirement plan contributions to $500 and still come away with $1 million at the end of the day, assuming that same 8% return.

Related links:

• Motley Fool Issues Rare Triple-Buy Alert

• This Stock Could Be Like Buying Amazon in 1997

• 7 of 8 People Are Clueless About This Trillion-Dollar Market

Regardless of whether you think you’ll need $1 million to retire, that figure isn’t nearly as out of reach as you might think it is. If you make a point to start saving early and invest your money wisely, you could wind up a millionaire in time for retirement. And while you may not end up spending all that money, it certainly won’t hurt to have it available.

CNNMoney (New York) First published July 21, 2017: 10:14 AM ET

eCom Domination review- eCom Domination $27,300 bonus & discount

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