Lifestyle

We live in a "crisis culture" -- the financial crisis, the energy crisis, the subprime-mortgage crisis. By calling every upheaval a crisis, the word gets watered down to the point of meaninglessness. Here's a real impending crisis: The primary care crisis. The profession of primary care physician in this country is dying. Fast. Physicians must find a leader who can articulate the serious repercussions of a growing primary care shortage. Otherwise, it will simply become the next crisis of the times.

A slew of tax cuts are set expire in less than six months, unless Congress acts to extend them. With the government starved for revenue and the national debt topping $13 trillion, Washington watchers are speculating over which tax breaks lawmakers will choose to extend.

Second-quarter earnings reports are starting to arrive and analysts are expecting solid results. But market watchers say it's more important than ever to focus on what companies see coming down the road, rather than what's in the rear-view mirror.

Medical identity theft is a disturbing and growing trend, and the onus is on physician practices to guard patient records. The cost of not doing so can be considerable: A new survey shows it takes twice as much time to detect medical fraud and more than twice as money on average to remedy each case.

Splitting up with your spouse can devastate your retirement savings if you're not careful. Unless you have the proper paperwork in place, you may be on the hook to pay income taxes on both your share of the account and your spouse's share.

Non-profit organizations often need money, marketing advice and managerial shoring up, but what they really require is more advice and training at the board level. Being a non-profit board member is a unique position -- and one many physicians should consider.

Large biotech stocks surged on rumors of a major acquisition by French drug giant Sanofi. Tiny Dynavax rose on news of its first clinical trial of a universal flu vaccine, and Vivus soared after being called "one of the most attractive product-driven stories in the mid-cap biotech space."

Next week begins some early earnings announcements, when a clearer picture will emerge for making decisions on increasing short exposure or long exposure in the market. We believe the technical damage done in recent weeks may require some more time to mend, and that would be normal and expected during this phase of a market cycle.

The recent carnage in the stock market has led to lower interest rates on Treasury securities, with the yield on the 10-year note falling as low as 2.938% before ending last week at 2.98%. The lower rates have spilled over into the mortgage market, where interest rates hit a record low. Is now the time to refinance?

The number of illegal, abusive trusts is on the rise, the IRS warns. Even if you're a victim, you could face criminal and civil penalties. If you've been approached about setting up a trust, or have done so already, here's what you need to know.

More physicians are attempting to boost revenue by charging patients new "add-on" fees for such things as missed appointments, filling out medical school or work forms, providing copies of records, or general administrative work. But doing so effectively without incurring the wrath of your patients is key.

There's no way to accurately predict the direction of the stock market -- it's best to let the actual price and volume provide the clues. For now, it appears the line of least resistance is down from here, though we are expecting a brief attempt to stabilize and rally in the near-term.

The S&P 500 posted its first negative "named" decade ever from 2000 to 2009. That means, if you invested $1 in the S&P 500 at the beginning of '00, you would have had 91 cents at the end of '09. So, were the 2000s the "lost decade" for investors? Not for all -- investors who maintained diversified portfolios actually fared much better.