Special Feature

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Your money's lost and is wandering away into everybody's elses pockets. Lucky for you you're a Physician's Money Digest reader. We've got the map to lead it back home to your bank account: greening your office. Do a little good for the environment and save a couple bucks in the process? Can't go wrong with that.

This doc understands municipal bonds and is happy with the returns they've generated, but wonders if he should be diversifying his portfolio with annuities. Whether he should depends on how they would fit into the overall asset allocation.

In the past, the IRS has also allowed taxpayers to split tax refunds between as many as three different accounts. This year, you'll be able to convert that refund into inflation-adjusted savings bonds, known as I Bonds.

Bond Blues

Recent interest rates on 10-year municipal bonds, combined with their built-in tax advantages, make for a very attractive investment. But underneath the averages were some disturbing default statistics, say bond gurus.

One looks at the results in the first week of active trading and another looks at results for the entire month. This year, so far, the forecasts are looking good, as stocks posted a 2.67% increase in the first five trading days of 2010.

Everyone makes mistakes; that's why they make erasers. But when it comes to medical billing, the mistakes can be costly. For example, it is estimated that billing errors can lead to loss rates of up to 10% of a physician practice group's revenue. That's significant money. Outsourcing, however, can eliminate those errors by putting all or portions of a practice's billing operation in the hands of specialists.

Spend less. Save More. Make a budget. These fiscal pledges to do better are popular because most people realize that they can help improve their financial well being. But there are also some less common resolutions that you should consider.

The media is full of ads touting easy ways to get rich quick, but when it comes to building wealth, there's really just one important rule: spend less than you make. It sounds simple, but it may not be easy.

Rising unemployment is partially to blame for an increase in medical identity theft, say some law enforcement officials, but far more common however, is theft of medical records and using them either to obtain medical treatment or to file fraudulent claims.

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