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Proven Account Receivable Management Services in New York | SBN Healthcare Solution
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By: Riittakerttu Kaltiala
Published: Oct 30, 2023
Dr. Riittakerttu Kaltiala, 58, is a Finnish-born and trained adolescent psychiatrist, the chief psychiatrist in the department of adolescent psychiatry at Finland’s Tampere University Hospital. She treats patients, teaches medical students, and conducts research in her field—publishing more than 230 scientific articles. 
In 2011, Dr. Kaltiala was assigned a new responsibility. She was to oversee the establishment of a gender identity service for minors, making her among the first physicians in the world to head a clinic devoted to the treatment of gender-distressed young people. Since then, she has personally participated in the assessments of more than 500 such adolescents.
Earlier this year, The Free Press ran a whistleblower account by Jamie Reed, a former case manager at The Washington University Transgender Center at St. Louis Children’s Hospital. She recounted her growing alarm at the effects of treatments that sought to transition minors to the opposite sex, and her escalating conviction that patients were being harmed by their treatment.
Although a recent New York Times investigation largely corroborated Reed’s account, many activists and members of the media continue to dismiss Reed’s claims because she is not a physician. 
Dr. Kaltiala is. And her concerns are likely to get more attention in the U.S. now that a young woman who medically transitioned as a teenager has just sued the doctors who supervised her treatment, along with the American Academy of Pediatrics. According to the suit, the AAP, in advocating for youth transition, has made “outright fraudulent statements” about evidence for “the radical new treatment model, and the known dangers and potential side effects of the medical interventions it advocates.” 
Here, Dr. Kaltiala tells her own story, describing her increasing worries about the treatment she approved for vulnerable patients, and her decision to speak out. 
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Early in my medical studies, I knew I wanted to be a psychiatrist. I decided to specialize in treating adolescents because I was fascinated by the process of young people actively exploring who they are and seeking their role in the world. My patients’ adult lives are still ahead of them, so it can make a huge difference to someone’s future to help a young person who is on a destructive track to find a more favorable course. And there are great rewards in doing individual therapeutic work. 
Over the past dozen or so years there has been a dramatic development in my field. A new protocol was announced that called for the social and medical gender transition of children and teenagers who experienced gender dysphoria—that is, a discordance between one’s biological sex and an internal feeling of being a different gender. 
This condition has been described for decades, and the 1950s is seen as the beginning of the modern era of transgender medicine. During the twentieth century, and into the twenty-first, small numbers of mostly adult men with lifelong gender distress have been treated with estrogen and surgery to help them live as women. Then in recent years came new research on whether medical transition—primarily hormonal—could be done successfully on minors.
One motivation of the medical professionals overseeing these treatments was to prevent young people from facing the difficulties adult men had experienced in trying to convincingly appear as women. The most prominent advocates of youth transition were a group of Dutch clinicians. They published a breakthrough paper in 2011 establishing that if young people with gender dysphoria were able to avoid their natural puberty by blocking it with pharmaceuticals, followed by receiving opposite-sex hormones, they could start living their transgender lives earlier and more credibly. 
It became known as the “Dutch protocol.” The patient population the Dutch doctors described was a small number of young people—almost all male—who, from their earliest years, insisted they were girls. The carefully selected patients, apart from their gender distress, were mentally healthy and high-functioning. The Dutch clinicians reported that following early intervention, these young people thrived as members of the opposite sex. The protocol was quickly adopted internationally as the gold standard treatment in this new field of pediatric gender medicine.
Concurrently, there arose an activist movement that declared gender transition was not just a medical procedure, but a human right. This movement became increasingly high profile, and the activists’ agenda dominated the media coverage of this field. Advocates for transition also understood the power of the emerging technology of social media. In response to all this, in Finland the Ministry of Social Affairs and Health wanted to create a national pediatric gender program. The task was given to the two hospitals that already housed gender identity services for adults. In 2011, my department was tasked with opening this new service, and I as the chief psychiatrist became the head of it. 
Even so, I had some serious questions about all this. We were being told to intervene in healthy, functioning bodies simply on the basis of a young person’s shifting feelings about gender. Adolescence is a complex period in which young people are consolidating their personalities, exploring sexual feelings, and becoming independent of their parents. Identity achievement is the outcome of successful adolescent development, not its starting point.
At our hospital, we had a big round of discussions with bioethicists. I expressed my concern that gender transition would interrupt and disrupt this crucial psychological and physical developmental stage. Finally, we obtained a statement from a national board on health ethics cautiously suggesting we undertake this new intervention. 
We are a country of 5.5 million with a nationalized healthcare system, and because we required a second opinion to change identity documents and proceed to gender surgery, I have personally met and evaluated the majority of young patients at both clinics considering transition: to date, more than 500 young people. Approval for transition was not automatic. In early years, our psychiatric department agreed to transition for about half of those referred. In recent years, this has dropped to about twenty percent.
As the service got underway starting in 2011, there were many surprises. Not only did the patients come, they came in droves. Around the Western world the numbers of gender-dysphoric children were skyrocketing. 
But the ones who came were nothing like what was described by the Dutch. We expected a small number of boys who had persistently declared they were girls. Instead, 90 percent of our patients were girls, mainly 15 to 17 years old, and instead of being high-functioning, the vast majority presented with severe psychiatric conditions.
Some came from families with multiple psychosocial problems. Most of them had challenging early childhoods marked by developmental difficulties, such as extreme temper tantrums and social isolation. Many had academic troubles. It was common for them to have been bullied—but generally not regarding their gender presentation. In adolescence they were lonely and withdrawn. Some were no longer in school, instead spending all their time alone in their room. They had depression and anxiety, some had eating disorders, many engaged in self-harm, a few had experienced psychotic episodes. Many—many—were on the autism spectrum.
Remarkably, few had expressed any gender dysphoria until their sudden announcement of it in adolescence. Now they were coming to us because their parents, usually just mothers, had been told by someone in an LGBT organization that gender identity was their child’s real problem, or the child had seen something online about the benefits of transition. 
Even during the first few years of the clinic, gender medicine was becoming rapidly politicized. Few were raising questions about what the activists—who included medical professionals—were saying. And they were saying remarkable things. They asserted that not only would the feelings of gender distress immediately disappear if young people start to medically transition, but also that all their mental health problems would be alleviated by these interventions. Of course, there is no mechanism by which high doses of hormones resolve autism or any other underlying mental health condition.
Because what the Dutch had described differed so dramatically from what I was seeing in our clinic, I thought maybe there was something unusual about our patient population. So I started talking about our observations with a network of professionals in Europe. I found out that everybody was dealing with a similar caseload of girls with multiple psychiatric problems. Colleagues from different countries were confused by this, too. Many said it was a relief to hear their experience was not unique. 
But no one was saying anything publicly. There was a feeling of pressure to provide what was supposed to be a wonderful new treatment. I felt in myself, and saw in others, a crisis of confidence. People stopped trusting their own observations about what was happening. We were having doubts about our education, clinical experience, and ability to read and produce scientific evidence.
Soon after our hospital began offering hormonal interventions for these patients, we began to see that the miracle we had been promised was not happening. What we were seeing was just the opposite.
The young people we were treating were not thriving. Instead, their lives were deteriorating. We thought, what is this? Because there wasn’t a hint in studies that this could happen. Sometimes the young people insisted their lives had improved and they were happier. But as a medical doctor, I could see that they were doing worse. They were withdrawing from all social activities. They were not making friends. They were not going to school. We continued to network with colleagues in different countries who said they were seeing the same things.
I became so concerned that I embarked on a study with my Finnish colleagues to describe our patients. We methodically went through the records of those who had been treated at the clinic its first two years, and we characterized how troubled they were—one of them was mute—and how much they differed from the Dutch patients. For example, more than a quarter of our patients were on the autism spectrum. Our study was published in 2015, and I believe it was the first journal publication from a gender clinician raising serious questions about this new treatment. 
I knew others were making the same observations at their clinics, and I hoped my paper would spark discussion about their concerns—that’s how medicine corrects itself. But our field, instead of acknowledging the problems we described, became more committed to expanding these treatments. 
In the U.S., your first pediatric gender clinic opened in Boston in 2007. Fifteen years later there were more than 100 such clinics. As the U.S. protocols developed, fewer limitations were put on transition. A Reuters investigation found that some U.S. clinics approved hormone treatments at a minor’s first visit. The U.S. pioneered a new treatment standard, called “gender-affirming care,” which urged clinicians simply to accept a child’s assertion of a trans identity, and to stop being “gatekeepers” who raised concerns about transition.
Around 2015, in addition to the very psychiatrically ill patients, a new set of patients started arriving at our clinic. We began to see groups of teenage girls, also usually from 15 to 17 years of age from the same small towns, or even the same schools, telling the same life stories and the same anecdotes about their childhoods, including their sudden realization that they were transgender—despite no prior history of dysphoria. We realized they were networking and exchanging information about how to talk to us. And so, we got our first experience of social contagion–linked gender dysphoria. This, too, was happening in pediatric gender clinics around the world, and again health providers were failing to speak up. 
I understood this silence. Anyone, including physicians, researchers, academics, and writers, who raised concerns about the growing power of gender activists, and about the effects of medically transitioning young people, were subjected to organized campaigns of vilification and threats to their careers. 
In 2016, because of several years of growing concern about the harms of transition on vulnerable young patients, Finland’s two pediatric gender services changed their protocols. Now, if young people had other, more urgent problems than gender dysphoria that needed to be addressed, we promptly referred those patients for more appropriate treatment, such as psychiatric counseling, rather than continuing their gender identity assessment. 
There was a lot of pressure against this approach from activists, politicians, and the media. The Finnish press published stories of young people dissatisfied with our decision, portraying them as victims of gender clinics that were forcing them to put their lives on hold. A Finnish medical journal ran a piece that took the perspective of dissatisfied activists titled, “Why do trans adolescents not get their blockers?” 
But I was trained that medical treatment has to be based on medical evidence, and that medicine has to constantly correct itself. When you are a physician who sees something is not working, it is your duty to organize, research, inform your colleagues, inform a big audience, and stop doing that treatment.
Finland’s national healthcare system gives us the ability to investigate current medical practices and set new guidelines. In 2015 I personally asked a national body, called the Council for Choices in Health Care (COHERE), to create national guidelines for treatment of gender dysphoria in minors. In 2018 I renewed this request with colleagues, and it was accepted. COHERE commissioned a systematic evidence review to assess the reliability of the current medical literature on youth transition.
Around this same time, eight years into the opening of the pediatric gender clinic, some previous patients started coming back to tell us they now regretted their transition. Some—called “detransitioners”—wished to return to their birth sex. These were another kind of patient who wasn’t supposed to exist. The authors of the Dutch protocol asserted that rates of regret were miniscule. 
But the foundation on which the Dutch protocol was based is crumbling. Researchers have shown that their data had some serious problems, and that in their follow-up, they failed to include many of the very people who may have regretted transition or changed their minds. One of the patients had died due to complications from genital transition surgery. 
There is an oft-repeated statistic in the world of pediatric gender medicine that only one percent or less of young people who transition subsequently detransition. The studies asserting this, too, rest on biased questions, inadequate samples, and short timelines. I believe regret is far more widespread. For example, one new study shows that nearly 30 percent of patients in the sample ceased filling their hormone prescription within four years. 
Usually, it takes several years for the full impact of transition to settle in. This is when young people who have entered adulthood confront what it means to possibly be sterile, to have damaged sexual function, to have great difficulty in finding romantic partners.
It is devastating to speak to patients who say they were naive and misguided about what transition would mean for them, and who now feel it was a terrible mistake. Mainly these patients tell me they were so convinced they needed to transition that they concealed information or lied in the assessment process.
I continued to research the issue and in 2018, with colleagues, I published another paper, one that investigated the origin of the surging numbers of gender-dysphoric young people. But we didn’t find answers as to why this was happening, or what to do about it. We noted in our study a point that is generally ignored by gender activists. That is, for the overwhelming majority of gender dysphoric children—around 80 percent—their dysphoria resolves itself if they are left to go through natural puberty. Often these children come to realize they are gay.
In June of 2020 a major event happened in my field. Finland’s national medical body, COHERE, released its findings and recommendations regarding youth gender transition. It concluded that the studies touting the success of the “gender-affirming” model were biased and unreliable—systematically so in some cases. 
The authors wrote: “In light of available evidence, gender reassignment of minors is an experimental practice.” The report stated that young patients seeking gender transition should be instructed about “the reality of a lifelong commitment to medical therapy, the permanence of the effects, and the possible physical and mental adverse effects of the treatments.” The report warned that young people, whose brains were still maturing, lacked the ability to properly “assess the consequences” of making decisions they would have to live with for the “rest of their lives.”
COHERE also recognized the dangers of giving hormone treatments to young people with serious mental illness. The authors concluded that for all these reasons, gender transition should be postponed “until adulthood.”
It had taken quite a while, but I felt vindicated.
Fortunately, Finland is not alone. After similar reviews, the UK and Sweden have come to similar conclusions. And many other countries with national healthcare systems are re-evaluating their “gender-affirming” stance. 
I felt an increasing obligation to patients, to medicine, and to the truth, to speak outside of Finland against the widespread transitioning of gender-distressed minors. I have been particularly concerned about American medical societies, who as a group continue to assert that children know their “authentic” selves, and a child who declares a transgender identity should be affirmed and started on treatment. (In recent years, the “trans” identity has evolved to include more young people who say they are “nonbinary”—that is, they feel they don’t belong to either sex—and other gender variations.)
Medical organizations are supposed to transcend politics in favor of upholding standards that protect patients. However, in the U.S. these groups—including the American Academy of Pediatrics—have been actively hostile to the message my colleagues and I are urging.
I attempted to address the rising international concerns about pediatric gender transition at this year’s annual conference of the American Academy of Child and Adolescent Psychiatry. But the two proposed panels were rejected by the academy. This is highly disturbing. Science does not progress through silencing. Doctors who refuse to consider evidence presented by critics are putting patient safety at risk.
I am also disturbed by how gender clinicians routinely warn American parents that there is an enormously elevated risk of suicide if they stand in the way of their child’s transition. Any young person’s death is a tragedy, but careful research shows that suicide is very rare. It is dishonest and extremely unethical to pressure parents into approving gender medicalization by exaggerating the risk of suicide.
This year the Endocrine Society of the U.S. reiterated its endorsement of hormonal gender transition for young people. The president of the society wrote in a letter to The Wall Street Journal that such care was “lifesaving” and “reduces the risk of suicide.” I was a co-author of a letter in response, signed by 20 clinicians from nine countries, refuting his assertion. We wrote that, “Every systematic review of evidence to date, including one published in the Journal of the Endocrine Society, has found the evidence for mental health benefits of hormonal interventions for minors to be of low or very low certainty.” 
Medicine, unfortunately, is not immune to dangerous groupthink that results in patient harm. What is happening to dysphoric children reminds me of the recovered memory craze of the 1980s and ’90s. During that period, many troubled women came to believe false memories, often suggested to them by their therapists, of nonexistent sexual abuse by their fathers or other family members. This abuse, the therapists said, explained everything that was wrong with the lives of their patients. Families were torn apart, and some people were prosecuted based on made-up assertions. It ended when therapists, journalists, and lawyers investigated and exposed what was happening.
We need to learn from such scandals. Because, like recovered memory, gender transition has gotten out of hand. When medical professionals start saying they have one answer that applies everywhere, or that they have a cure for all of life’s pains, that should be a warning to us all that something has gone very wrong. 
--
Medicine has become infected by ideology.
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mariacallous · 1 year
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Over the past few decades, much of the media and policy debate around labor issues have focused on low wages. Labor issues related to work schedules have received far less attention. In fact, 17% of the U.S. labor force works on unpredictable or unstable schedules with short advance notice (Golden 2015). They are disproportionately concentrated in lower paid occupations in the retail and service sectors. According to a national survey on retail jobs, 87% of retail workers report hour variations in the past month with the average variation equivalent to 48% of their usual work hours, 50% report a week or less advance notice, and 44% say that their employer decides their work hours without their input (Lambert et al. 2014). The prevalence and the rapid growth of unpredictable and unstable schedules has resulted in many social issues, including difficulties arranging childcare and threats to households’ economic security (Henly and Lambert 2014).
The economic trade-off of predictable schedules and the ongoing policy debate
Unpredictable and unstable schedules are so prevalent in service businesses, because labor accounts for a significant part of the operating cost of service businesses, especially in retail, food, and hospitality services. Having just enough (but not too many) workers on hand is essential to balancing customer service and profitability. As firms try to strike that balance, many—especially those in the service and retail sectors—practice “just-in-time” (JIT) scheduling, which entails managers scheduling their employees “on the fly” based on immediate workplace needs. By using just-in-time scheduling, service firms mitigate the uncertainty they often face in customer demand and employee no-shows. This helps them reduce the labor hours needed and thus labor cost (Terwiesch and Cachon 2012). While JIT scheduling can be effective in reducing firms’ labor costs, it also leads to highly unpredictable and fluctuating schedules for workers, which negatively impact their quality of life, especially among low-income workers. In short, firms have been using JIT scheduling to transfer business risks to their employees.
Recent local and state policies aim to reduce this practice. Since 2014, one state (Oregon) and multiple cities (e.g., Chicago, Los Angeles, New York, Philadelphia, San Francisco, Seattle, and Emeryville, California), have passed various forms of “predictive scheduling laws,” sometimes also referred to as “fair workweek laws.” In general, they require employers to post work schedules in advance and provide additional pay for any last-minute schedule changes. Some versions of such laws, (e.g., the ones in New York City, Seattle and Emeryville, California), also require employers to offer part-time workers the chance to increase their hours before adding new staff (Wolfe et al 2018).
Service firms, especially those in the retail, food, and hospitability industries, argue that such requirements remove the staffing flexibility they need to operate their businesses effectively, which may lead to bankruptcy and eventually loss of jobs. Indeed, such policies have received strong resistance from employers in the service and retail sectors and are still pending or have failed to pass in many cities and states across the U.S. States including Arkansas, Georgia, Iowa, and Tennessee even prohibit jurisdictions within the states from passing predictable scheduling laws. Predictable scheduling laws also differ in the level of advance notice they require firms to inform their workers about their schedules. For example, the city of New York requires 72 hours advance notice (for its retail workers) and the state of Oregon initially required one-week advance notice but later increased to 14 days, while most other cities require 14 days advance notice.
Is JIT scheduling really that beneficial to service firms?
In light of this debate, Masoud Kamalahmadi (University of Miami), Yong-Pin Zhou (University of Washington) and I conducted a study to answer whether and to what extent the flexibility created through just-in-time scheduling benefits the firm and how policy makers can better design predictable scheduling laws (Kamalahmadi et al. 2021). On the one hand, it is clear that just-in-time scheduling helps firms reduce their labor cost as explained earlier. On the other hand, the potential impact of just-in-time scheduling on the workers’ productivity, and thus the firm’s revenue, was not well understood. It was the goal of our study to seek objective evidence that can shed light on this important issue.
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The FBI and NYPD are investigating a letter containing a death threat and white powder that was mailed to Manhattan District Attorney Alvin Bragg, whose office is investigating former President Donald Trump, law-enforcement sources told NBC News.
The letter was addressed to Bragg and said, “ALVIN: I AM GOING TO KILL YOU!!!!!!!!!!!!!” the sources said. It contained a small amount of white powder.
There were no evacuations or injuries, officials said.
In a statement, the DA's office said the letter “was immediately contained and that the NYPD Emergency Service Unit and the NYC Department of Environmental Protection determined there was no dangerous substance.”
Markings on the envelope indicate it was mailed from Orlando, Florida earlier this week, the sources said. It was postmarked on Tuesday, the sources said.
The letter comes in the wake of Trump announcing — falsely — that he would be arrested in the probe this past Tuesday and that people should "protest." His rhetoric has become more heated in the days since, including warning on his social media website early Friday of "potential death and destruction" if the DA indicts him.
Russian email accounts sent a series of hoax bomb threats targeting the Manhattan district attorney and court buildings for three straight days this week amid a grand jury investigation of former President Donald Trump.
The unsubstantiated threats, now under investigation by the New York Police Department and FBI, were emailed to local government officials at a Manhattan community board, according to police. They came from Russian email addresses in the early morning hours on Tuesday, Wednesday and Thursday, listing government buildings and schools as the targets of alleged pipe bombs, according to the local board official who received them.
"The FBI told me that they appear to be coming from Russia," said Susan Stetzer, district manager of Community Board 3, who read the emails to Law360 Friday. The board received four email threats over the three days, often sent from @mail.ru domains under different names, she said. The NYPD confirmed the board was the recipient of the original bomb threat on Tuesday.
The FBI declined to comment.
Separately on Friday, a suspicious white powder was delivered to the offices of District Attorney Alvin Bragg in an envelope marked "Alvin," according to the NYPD.
A spokesperson for the district attorney said that "it was immediately contained and that the NYPD Emergency Service Unit and the NYC Department of Environmental Protection determined there was no dangerous substance."
The emailed bomb threats did not mention Trump or the grand jury mulling indicting him for an illegal hush money payment allegedly designed to tip the 2016 election in his favor, the local official said. Still, they used language that echoed his recent attacks on the case, referring to "the downfall of our country" and stating, "You people are destroying America."
The grand jury is considering a possible indictment of Trump on charges that he directed his former attorney Michael Cohen to pay adult film actress Stormy Daniels $130,000 to bury her claims of an affair before the 2016 presidential election, and covered up Cohen's reimbursement as legal fees.
An FBI and special counsel investigation of interference in the 2016 election found that Russia engaged in a sprawling online campaign to manipulate public perceptions in favor of Trump. The investigation found that Trump did not conspire with Russia.
Stetzer said she first reported the bomb threats Tuesday morning by contacting local police precincts and dialing 911. Since then, she has been in regular contact with the FBI.
"Now when I get them, which I haven't today, I just forward it to the FBI," Stetzer said late Friday morning.
In response to questions, NYPD said it had one threat on file for Tuesday of an email "sent from an unidentified individual who stated they are placing various explosive devices at locations throughout the city. There are no arrests and the investigation is ongoing."
Beginning last weekend, Trump called for protests of Bragg's investigation with increasingly heated language as he criticized the possible charges against him and incorrectly predicted he would be arrested on Tuesday.
Among a dozen posts on Truth Social about Bragg posted Thursday, Trump called the district attorney an "animal" and "human scum," compared him to Joseph Stalin and the Gestapo, and said, "He is doing the work of Anarchists and the Devil, who want our Country to fail." Trump also posted a link with an image of him holding a baseball bat beside an image of Bragg's head.
"You're still allowed to self-defend in this Country!" Trump posted Wednesday, additionally claiming that anti-fascist "lunatics" are infiltrating conservative gatherings.
Early Friday morning, Trump said that "potential death & destruction in such a false charge could be catastrophic for our Country? Why & who would do such a thing? Only a degenerate psychopath that truely hates the USA!"
The New York City bomb threats used similar rhetoric.
A threat sent Thursday that targeted the district attorney's office and schools said: "You people are disgusting degenerates. Fuck you and fuck everything you stand for. You are responsible for the downfall of our country and you will die," Stetzer said, quoting from the email.
One threat Wednesday read: "Evacuate before the bombs go off. You people are destroying America so we will destroy you," according to Stetzer.
Stetzer declined to share the emails directly with Law360.
The threats have led to heightened security at the court buildings in Lower Manhattan, which have included regular sweeps for bombs and a more visible presence of police officers and court officers along with barricades surrounding the entrances to the district attorney's office.
The district attorney's office has declined to comment on the threats.
Meanwhile, a Manhattan federal judge presiding over a writer's civil defamation and rape suit against Trump on Thursday ruled that jurors in the case will remain anonymous, drawing a link between the former president's recent rhetoric and threats to public safety.
"Mr. Trump's quite recent reaction to what he perceived as an imminent threat of indictment by a grand jury sitting virtually next door to this court was to encourage 'protest' and to urge people to 'take our country back.' That reaction reportedly has been perceived by some as incitement to violence," U.S. District Judge Lewis A. Kaplan wrote. "And it bears mention that Mr. Trump repeatedly has attacked courts, judges, various law enforcement officials and other public officials, and even individual jurors in other matters."
Judge Kaplan noted, however, that "it matters not whether Mr. Trump incited violence in either a legal or a factual sense. The point is whether jurors will perceive themselves to be at risk."
Joe Tacopina, a criminal defense attorney for Trump, told Law360 Thursday, "We have no problem with the ruling," but declined to comment on the social media posts or threats.
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beardedmrbean · 2 years
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An international operation against a large-scale scheme for financial crimes, money laundering and violations of international sanctions against Russia is taking place in Sofia at the moment. According to BNT, it is the company NEXO.
The ownership of the company is related to a former member of parliament and the son of a former social minister from the NDSV political party.
The suspicions are that the Bulgarians behind the large company acted according to the scheme of Ruja Ignatova and the OneCoin pyramid led by her. The Bulgarian woman known as the "Queen of Cryptocurrencies" is in the top 10 most wanted persons by the FBI. Europol and Interpol are also on her trail.
Prosecutors, investigators from the National Investigation and SANS employees, together with foreign agents, have begun searches of the Bulgarian offices of the company that trades cryptocurrencies worldwide.
The company's operations were carried out from the Bulgarian capital, and depositors were invited to invest in bitcoins and other types of cryptocurrencies, with promises of high returns.
The interest rates that investors would receive were many times higher than those of classic banking institutions and various brokerage houses. There are reports that the owners of the company, who are Bulgarians, have appropriated part of the assets amounting to several billion dollars.
The investigation into the activities of the crypto company in Bulgaria began a few months ago, after foreign services detected suspicious transactions, which were reported to be aimed at circumventing the sanctions imposed by the European Union, Great Britain and the United States against Russian banks, as well as companies and citizens of the Russian Federation.
Georgi Shulev – representing Nexo, son of former Deputy Prime Minister Lidiya Shuleva;
Antoni Trenchev – co-founder and director of several Nexo companies, former MP from the DBG, Reform Bloc;
Kosta Kantchev – director of Nexo Bank;
Kalin Metodiev – co-founder and financial director of Nexo;
Sokol Yankov – representing Nexo;
The company, which Sokol Yankov currently manages, said that Yankov left Nexo in 2019 and has had nothing to do with the investigated group of companies since then.
Georgi Shulev's office stated to BNT that he participated in the founding of Nexo in 2018. A year later, however, he left the Nexo group of companies and is suing the co-founders in Great Britain.
According to the Bulgarian National Television, Georgi Shulev is currently being questioned as a witness.
The former MP from the Bulgarian political entity "Reform Bloc", Antoni Trenchev, and his partner in the cryptocurrency trading company Nexo, Kosta Kantchev, fled to Dubai already in the fall of last year, BNT reported. This came after allegations of particularly large-scale fraud were brought against Nexo by the prosecutors of eight US states.
Regulators in California, Kentucky, New York, Maryland, Oklahoma, South Carolina, Washington and Vermont have announced that they are suing crypto platform Nexo over tens of thousands of cases of fraud totaling at least 0 million.
Nexo claims to manage billion in digital assets.
In recent months, the FBI has been investigating the activities of the Bulgarian crypto platform due to data on a hidden hole in the amount of over 4 billion dollars from investors, due to illegal financial activity - granting loans in exchange for collateral, as well as due to reports of abuse of the securities and goods of its customers.
The DFPI announcement revealed that Nexo offered annual interest rates of up to 36% on deposited crypto-assets to investors, significantly higher than rates on short-term investment-grade fixed income securities or bank savings accounts.
More details about the police operation read here.
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michaelkeefegorman · 2 years
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What Is the Top 1200 Financial Advisors in America List from Barron’s?
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Keefe Gorman has worked with Merrill Lynch Wealth Management in Ithaca, New York, for over three decades as a senior consultant and managing director. At Merrill Lynch, Keefe Gorman helps individuals and institutions grow their wealth. He has received recognition from Barron's magazine as one of America's Top 1,200 Financial Advisors.
Since the early 2000s, Barron's has annually released America's Top 1,200 Financial Advisors list, which acknowledges the leading financial advisors from each of the 50 US states and the District of Columbia. Financial advisors must complete a 102-question survey to be included in the ranking. The survey asks questions on the assets they manage, the revenue they bring for their firms, the quality of the services they offer, their regulatory compliance history, and their philanthropic activities.
After verifying the data, Barron's selects the top 1,200 financial advisors from more than 4,000 submissions submitted by financial experts from large Wall Street firms to independent, smaller financial services companies. When ranking the financial advisors, portfolio performance is not taken into account. The Wall Street Journal and Barron's magazine print the final list of the Top 1,200 Financial Advisors in America, which is also accessible online at barrons.com.
Barron's aims to provide consumers looking for financial advisors with a good starting point to identify the top advisors to assist them in achieving their financial goals with their list. The list serves as a scorecard for those working in the financial services sector, highlighting the best and attempting to improve standards.
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little--brittle · 6 days
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Dr. Riittakerttu Kaltiala, 58, is a Finnish-born and trained adolescent psychiatrist, the chief psychiatrist in the department of adolescent psychiatry at Finland’s Tampere University Hospital. She treats patients, teaches medical students, and conducts research in her field—publishing more than 230 scientific articles. 
In 2011, Dr. Kaltiala was assigned a new responsibility. She was to oversee the establishment of a gender identity service for minors, making her among the first physicians in the world to head a clinic devoted to the treatment of gender-distressed young people. Since then, she has personally participated in the assessments of more than 500 such adolescents.
Earlier this year, The Free Press ran a whistleblower account by Jamie Reed, a former case manager at The Washington University Transgender Center at St. Louis Children’s Hospital. She recounted her growing alarm at the effects of treatments that sought to transition minors to the opposite sex, and her escalating conviction that patients were being harmed by their treatment.
Although a recent New York Times investigation largely corroborated Reed’s account, many activists and members of the media continue to dismiss Reed’s claims because she is not a physician. 
Dr. Kaltiala is. And her concerns are likely to get more attention in the U.S. now that a young woman who medically transitioned as a teenager has just sued the doctors who supervised her treatment, along with the American Academy of Pediatrics. According to the suit, the AAP, in advocating for youth transition, has made “outright fraudulent statements” about evidence for “the radical new treatment model, and the known dangers and potential side effects of the medical interventions it advocates.” 
Here, Dr. Kaltiala tells her own story, describing her increasing worries about the treatment she approved for vulnerable patients, and her decision to speak out.
Early in my medical studies, I knew I wanted to be a psychiatrist. I decided to specialize in treating adolescents because I was fascinated by the process of young people actively exploring who they are and seeking their role in the world. My patients’ adult lives are still ahead of them, so it can make a huge difference to someone’s future to help a young person who is on a destructive track to find a more favorable course. And there are great rewards in doing individual therapeutic work. 
Over the past dozen or so years there has been a dramatic development in my field. A new protocol was announced that called for the social and medical gender transition of children and teenagers who experienced gender dysphoria—that is, a discordance between one’s biological sex and an internal feeling of being a different gender.
This condition has been described for decades, and the 1950s is seen as the beginning of the modern era of transgender medicine. During the twentieth century, and into the twenty-first, small numbers of mostly adult men with lifelong gender distress have been treated with estrogen and surgery to help them live as women. Then in recent years came new research on whether medical transition—primarily hormonal—could be done successfully on minors.
One motivation of the medical professionals overseeing these treatments was to prevent young people from facing the difficulties adult men had experienced in trying to convincingly appear as women. The most prominent advocates of youth transition were a group of Dutch clinicians. They published a breakthrough paper in 2011 establishing that if young people with gender dysphoria were able to avoid their natural puberty by blocking it with pharmaceuticals, followed by receiving opposite-sex hormones, they could start living their transgender lives earlier and more credibly.
It became known as the “Dutch protocol.” The patient population the Dutch doctors described was a small number of young people—almost all male—who, from their earliest years, insisted they were girls. The carefully selected patients, apart from their gender distress, were mentally healthy and high-functioning. The Dutch clinicians reported that following early intervention, these young people thrived as members of the opposite sex. The protocol was quickly adopted internationally as the gold standard treatment in this new field of pediatric gender medicine.
Concurrently, there arose an activist movement that declared gender transition was not just a medical procedure, but a human right. This movement became increasingly high profile, and the activists’ agenda dominated the media coverage of this field. Advocates for transition also understood the power of the emerging technology of social media. In response to all this, in Finland the Ministry of Social Affairs and Health wanted to create a national pediatric gender program. The task was given to the two hospitals that already housed gender identity services for adults. In 2011, my department was tasked with opening this new service, and I as the chief psychiatrist became the head of it. 
Even so, I had some serious questions about all this. We were being told to intervene in healthy, functioning bodies simply on the basis of a young person’s shifting feelings about gender. Adolescence is a complex period in which young people are consolidating their personalities, exploring sexual feelings, and becoming independent of their parents. Identity achievement is the outcome of successful adolescent development, not its starting point.
At our hospital, we had a big round of discussions with bioethicists. I expressed my concern that gender transition would interrupt and disrupt this crucial psychological and physical developmental stage. Finally, we obtained a statement from a national board on health ethics cautiously suggesting we undertake this new intervention. 
We are a country of 5.5 million with a nationalized healthcare system, and because we required a second opinion to change identity documents and proceed to gender surgery, I have personally met and evaluated the majority of young patients at both clinics considering transition: to date, more than 500 young people. Approval for transition was not automatic. In early years, our psychiatric department agreed to transition for about half of those referred. In recent years, this has dropped to about twenty percent.
As the service got underway starting in 2011, there were many surprises. Not only did the patients come, they came in droves. Around the Western world the numbers of gender-dysphoric children were skyrocketing. 
But the ones who came were nothing like what was described by the Dutch. We expected a small number of boys who had persistently declared they were girls. Instead, 90 percent of our patients were girls, mainly 15 to 17 years old, and instead of being high-functioning, the vast majority presented with severe psychiatric conditions.
Some came from families with multiple psychosocial problems. Most of them had challenging early childhoods marked by developmental difficulties, such as extreme temper tantrums and social isolation. Many had academic troubles. It was common for them to have been bullied—but generally not regarding their gender presentation. In adolescence they were lonely and withdrawn. Some were no longer in school, instead spending all their time alone in their room. They had depression and anxiety, some had eating disorders, many engaged in self-harm, a few had experienced psychotic episodes. Many—many—were on the autism spectrum.
Remarkably, few had expressed any gender dysphoria until their sudden announcement of it in adolescence. Now they were coming to us because their parents, usually just mothers, had been told by someone in an LGBT organization that gender identity was their child’s real problem, or the child had seen something online about the benefits of transition. 
Even during the first few years of the clinic, gender medicine was becoming rapidly politicized. Few were raising questions about what the activists—who included medical professionals—were saying. And they were saying remarkable things. They asserted that not only would the feelings of gender distress immediately disappear if young people start to medically transition, but also that all their mental health problems would be alleviated by these interventions. Of course, there is no mechanism by which high doses of hormones resolve autism or any other underlying mental health condition.
Because what the Dutch had described differed so dramatically from what I was seeing in our clinic, I thought maybe there was something unusual about our patient population. So I started talking about our observations with a network of professionals in Europe. I found out that everybody was dealing with a similar caseload of girls with multiple psychiatric problems. Colleagues from different countries were confused by this, too. Many said it was a relief to hear their experience was not unique.
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But no one was saying anything publicly. There was a feeling of pressure to provide what was supposed to be a wonderful new treatment. I felt in myself, and saw in others, a crisis of confidence. People stopped trusting their own observations about what was happening. We were having doubts about our education, clinical experience, and ability to read and produce scientific evidence.
Soon after our hospital began offering hormonal interventions for these patients, we began to see that the miracle we had been promised was not happening. What we were seeing was just the opposite.
The young people we were treating were not thriving. Instead, their lives were deteriorating. We thought, what is this? Because there wasn’t a hint in studies that this could happen. Sometimes the young people insisted their lives had improved and they were happier. But as a medical doctor, I could see that they were doing worse. They were withdrawing from all social activities. They were not making friends. They were not going to school. We continued to network with colleagues in different countries who said they were seeing the same things.
I became so concerned that I embarked on a study with my Finnish colleagues to describe our patients. We methodically went through the records of those who had been treated at the clinic its first two years, and we characterized how troubled they were—one of them was mute—and how much they differed from the Dutch patients. For example, more than a quarter of our patients were on the autism spectrum. Our study was published in 2015, and I believe it was the first journal publication from a gender clinician raising serious questions about this new treatment.
I knew others were making the same observations at their clinics, and I hoped my paper would spark discussion about their concerns—that’s how medicine corrects itself. But our field, instead of acknowledging the problems we described, became more committed to expanding these treatments. 
In the U.S., your first pediatric gender clinic opened in Boston in 2007. Fifteen years later there were more than 100 such clinics. As the U.S. protocols developed, fewer limitations were put on transition. A Reuters investigation found that some U.S. clinics approved hormone treatments at a minor’s first visit. The U.S. pioneered a new treatment standard, called “gender-affirming care,” which urged clinicians simply to accept a child’s assertion of a trans identity, and to stop being “gatekeepers” who raised concerns about transition.
Around 2015, in addition to the very psychiatrically ill patients, a new set of patients started arriving at our clinic. We began to see groups of teenage girls, also usually from 15 to 17 years of age from the same small towns, or even the same schools, telling the same life stories and the same anecdotes about their childhoods, including their sudden realization that they were transgender—despite no prior history of dysphoria. We realized they were networking and exchanging information about how to talk to us. And so, we got our first experience of social contagion–linked gender dysphoria. This, too, was happening in pediatric gender clinics around the world, and again health providers were failing to speak up.
I understood this silence. Anyone, including physicians, researchers, academics, and writers, who raised concerns about the growing power of gender activists, and about the effects of medically transitioning young people, were subjected to organized campaigns of vilification and threats to their careers. 
In 2016, because of several years of growing concern about the harms of transition on vulnerable young patients, Finland’s two pediatric gender services changed their protocols. Now, if young people had other, more urgent problems than gender dysphoria that needed to be addressed, we promptly referred those patients for more appropriate treatment, such as psychiatric counseling, rather than continuing their gender identity assessment. 
There was a lot of pressure against this approach from activists, politicians, and the media. The Finnish press published stories of young people dissatisfied with our decision, portraying them as victims of gender clinics that were forcing them to put their lives on hold. A Finnish medical journal ran a piece that took the perspective of dissatisfied activists titled, “Why do trans adolescents not get their blockers?” 
But I was trained that medical treatment has to be based on medical evidence, and that medicine has to constantly correct itself. When you are a physician who sees something is not working, it is your duty to organize, research, inform your colleagues, inform a big audience, and stop doing that treatment.
Finland’s national healthcare system gives us the ability to investigate current medical practices and set new guidelines. In 2015 I personally asked a national body, called the Council for Choices in Health Care (COHERE), to create national guidelines for treatment of gender dysphoria in minors. In 2018 I renewed this request with colleagues, and it was accepted. COHERE commissioned a systematic evidence review to assess the reliability of the current medical literature on youth transition.
Around this same time, eight years into the opening of the pediatric gender clinic, some previous patients started coming back to tell us they now regretted their transition. Some—called “detransitioners”—wished to return to their birth sex. These were another kind of patient who wasn’t supposed to exist. The authors of the Dutch protocol asserted that rates of regret were miniscule. 
But the foundation on which the Dutch protocol was based is crumbling. Researchers have shown that their data had some serious problems, and that in their follow-up, they failed to include many of the very people who may have regretted transition or changed their minds. One of the patients had died due to complications from genital transition surgery.
There is an oft-repeated statistic in the world of pediatric gender medicine that only one percent or less of young people who transition subsequently detransition. The studies asserting this, too, rest on biased questions, inadequate samples, and short timelines. I believe regret is far more widespread. For example, one new study shows that nearly 30 percent of patients in the sample ceased filling their hormone prescription within four years.
Usually, it takes several years for the full impact of transition to settle in. This is when young people who have entered adulthood confront what it means to possibly be sterile, to have damaged sexual function, to have great difficulty in finding romantic partners.
It is devastating to speak to patients who say they were naive and misguided about what transition would mean for them, and who now feel it was a terrible mistake. Mainly these patients tell me they were so convinced they needed to transition that they concealed information or lied in the assessment process.
I continued to research the issue and in 2018, with colleagues, I published another paper, one that investigated the origin of the surging numbers of gender-dysphoric young people. But we didn’t find answers as to why this was happening, or what to do about it. We noted in our study a point that is generally ignored by gender activists. That is, for the overwhelming majority of gender dysphoric children—around 80 percent—their dysphoria resolves itself if they are left to go through natural puberty. Often these children come to realize they are gay.
In June of 2020 a major event happened in my field. Finland’s national medical body, COHERE, released its findings and recommendations regarding youth gender transition. It concluded that the studies touting the success of the “gender-affirming” model were biased and unreliable—systematically so in some cases.
The authors wrote: “In light of available evidence, gender reassignment of minors is an experimental practice.” The report stated that young patients seeking gender transition should be instructed about “the reality of a lifelong commitment to medical therapy, the permanence of the effects, and the possible physical and mental adverse effects of the treatments.” The report warned that young people, whose brains were still maturing, lacked the ability to properly “assess the consequences” of making decisions they would have to live with for the “rest of their lives.”
COHERE also recognized the dangers of giving hormone treatments to young people with serious mental illness. The authors concluded that for all these reasons, gender transition should be postponed “until adulthood.”
It had taken quite a while, but I felt vindicated.
Fortunately, Finland is not alone. After similar reviews, the UK and Sweden have come to similar conclusions. And many other countries with national healthcare systems are re-evaluating their “gender-affirming” stance.
I felt an increasing obligation to patients, to medicine, and to the truth, to speak outside of Finland against the widespread transitioning of gender-distressed minors. I have been particularly concerned about American medical societies, who as a group continue to assert that children know their “authentic” selves, and a child who declares a transgender identity should be affirmed and started on treatment. (In recent years, the “trans” identity has evolved to include more young people who say they are “nonbinary”—that is, they feel they don’t belong to either sex—and other gender variations.)
Medical organizations are supposed to transcend politics in favor of upholding standards that protect patients. However, in the U.S. these groups—including the American Academy of Pediatrics—have been actively hostile to the message my colleagues and I are urging.
I attempted to address the rising international concerns about pediatric gender transition at this year’s annual conference of the American Academy of Child and Adolescent Psychiatry. But the two proposed panels were rejected by the academy. This is highly disturbing. Science does not progress through silencing. Doctors who refuse to consider evidence presented by critics are putting patient safety at risk.
I am also disturbed by how gender clinicians routinely warn American parents that there is an enormously elevated risk of suicide if they stand in the way of their child’s transition. Any young person’s death is a tragedy, but careful research shows that suicide is very rare. It is dishonest and extremely unethical to pressure parents into approving gender medicalization by exaggerating the risk of suicide.
This year the Endocrine Society of the U.S. reiterated its endorsement of hormonal gender transition for young people. The president of the society wrote in a letter to The Wall Street Journal that such care was “lifesaving” and “reduces the risk of suicide.” I was a co-author of a letter in response, signed by 20 clinicians from nine countries, refuting his assertion. We wrote that, “Every systematic review of evidence to date, including one published in the Journal of the Endocrine Society, has found the evidence for mental health benefits of hormonal interventions for minors to be of low or very low certainty.”
Medicine, unfortunately, is not immune to dangerous groupthink that results in patient harm. What is happening to dysphoric children reminds me of the recovered memory craze of the 1980s and ’90s. During that period, many troubled women came to believe false memories, often suggested to them by their therapists, of nonexistent sexual abuse by their fathers or other family members. This abuse, the therapists said, explained everything that was wrong with the lives of their patients. Families were torn apart, and some people were prosecuted based on made-up assertions. It ended when therapists, journalists, and lawyers investigated and exposed what was happening.
We need to learn from such scandals. Because, like recovered memory, gender transition has gotten out of hand. When medical professionals start saying they have one answer that applies everywhere, or that they have a cure for all of life’s pains, that should be a warning to us all that something has gone very wrong.
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datascraping001 · 6 days
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Redfin Real Estate Agents Scraping
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wedesignyouny · 7 days
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Divorce Lawyer in NYC: How to Handle the Process with Confidence
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Divorce Lawyer in NYC: How to Handle the Process with Confidence
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awsomebloggersblog · 15 days
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Job Opening For Registered Nurse (RN) - (Sign-On Bonus for Full-Time & Part-Time Positions, Shift-Differentials) Intuitive Health Services Job title: Registered Nurse (RN) - (Sign-On Bonus for Full-Time & Part-Time Positions, Shift-Differentials) Job description: The Impact You Can MakeGlens Falls Hospital is seeking dedicated and compassionate Registered Nurses to join our team! This opportunity will allow you to make a positive impact on the lives of our patients while advancing your career in a supportive and collaborative environment.Team ImpactIn this position, you will be an important member of the patient care team. The Registered Nurse (RN) is accountable for management and delivery of patient care to assigned patients in collaboration with the interdisciplinary team, and within the scope of practice delineated in the New York State Nurse Practice Act. Provides direct patient care, delegates/assigns responsibility as appropriate to others, and serves as leader of the interdisciplinary team in collaboration with and under the direction of the attending physician. The patient care team identifies desired outcomes for each patient based on assessment data, and plan of care and completes ongoing assessments to facilitative achievement of desired outcomes. Some highlights about this opportunity include: Full time, part time, and per diem positions available. Shifts include days, evenings, overnights, and weekend tracks. 8 and 12 hour shifts available Specialty areas include but are not limited to: Med Surge, OB, ED, ICU, PACU, OR, Telemetry, Oncology, Behavioral Health, Vascular Access, Medical Imaging, and Physicians Practice Mentorship programs and career growth pathways to support your professional aspiration Professional development and continuing education tuition reimbursement to advance your clinical skills Clinical Ladder that supports professional growth Sign on bonus Shift differentials Certification bonus The Glens Falls Hospital ImpactMissionOur Mission is to improve the health of people in our region by providing access to exceptional, affordable, and patient-centered care every day and in every setting.Glens Falls Hospital NursingGlens Falls Hospital is proud to be a Magnet designated organization, joining only 8% of all hospitals in the United States to currently hold this distinction. Magnet Recognition is the gold standard for nursing excellence.When you join Magnet Designated nursing excellence team, you will experience shared governance, engaged leadership, and skilled team members all in a family - like atmosphere.QualificationsEducation/Accredited Programs· Graduation from a Registered Professional Nursing Program.· Current Registered Nurse (RN) license in the state of New York.· Bachelor's degree in Nursing is preferred; new hires will be required to complete their BSN within 5 years of hire (RNs with 20+ years of experience may be eligible to opt for certification completion rather than BSN).Experience/Abilities· Excellent communication and interpersonal skills· Maintains competency in professional nursing practices· Knowledge of standard health care reporting measures required· Ability to recognize patient care problems and to react appropriately in patient care emergenciesCommunities We ServeLocated in the foothills of the beautiful Adirondack mountains, Glens Falls is conveniently located a short drive away from the capital region and Lake George. Work at the top of your profession and jumpstart your next career here at Glens Falls Hospital!All qualified applicants will receive consideration for employment without regard to race, color, religious creed, national origin, sex, age, gender identity, disability, sexual orientation, military service, genetic information, and/or other status protected under law.Salary Range The expected base rate for this Glens Falls, New York, United States-based position is $34.00 to $58.
74 per hour. Exact rate is determined on a case-by-case basis commensurate with exp­­erience level, as well as education and certifications pertaining to each position which may be above the listed job requirements.Benefits Glens Falls Hospital is committed to providing our people with valuable and competitive benefits offerings, as it is a core part of providing a strong overall employee experience. A summary of these offerings, which are available to active, full-time and part-­time employees who work at least 30 hours per week, can be found .. Apply for the job Registered Nurse (RN) - (Sign-On Bonus for Full-Time & Part-Time Positions, Shift-Differentials) At Intuitive Health Services, our goal is to make healthcare better for everyone. We help hospitals, clinics, and other healthcare places find the right doctors, nurses, and other healthcare workers. For over 15 years, we have been doing this important job. We work with places like state hospitals and correctional facilities to make sure they have the best people to take care of patients. We don’t just connect people with jobs; we also support them throughout their journey. We help with things like improving resumes, preparing for interviews, and finding the job that fits best. We work in over 50 different locations and have over 900 professionals who trust us to help them. If you are looking for a job in healthcare, we are here to guide you. If you are a healthcare facility needing to hire someone, we can find the best person for you. Our team is always ready to help, and we believe that by working together, we can make healthcare stronger and better for everyone. If you need to contact us, you can find us at: Address: 520 West Lacey Blvd, Hanford, CA 93230 Email: [email protected] Phone:+1 (805) 703-3729 We’re here to help you with all your healthcare staffing needs! https://intuitivehealthservices.com/register
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kvibestudios · 17 days
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Unlocking Financial Success in Filmmaking: Tips for NJ and NY Directors
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Achieving financial success in the ever-evolving realm of filmmaking demands meticulous planning, efficient allocation of resources, and astute financial decisions. For filmmakers in areas like New Jersey and New York, there are targeted steps and best practices that can substantially improve financial outcomes in the industry.
Detailed Budgeting and Financial Planning
A cornerstone of financial success in film production lies in crafting a detailed budget that encompasses all potential expenses. This inclusive budget should account for costs related to locations, equipment, crew, actors, and post-production. By setting up a well-organized budget, producers can effectively manage costs and steer clear of financial difficulties.
A thorough script breakdown is crucial for estimating the costs related to each element of the film. Examining the script scene by scene aids in wise resource allocation and efficient cost control. Allocating contingency funds is also imperative. These funds act as a financial safety net for unforeseen expenses, ensuring the production can handle unexpected challenges without compromising the overall budget.
Legal Considerations
Well-documented contracts are essential to avoid legal and financial disputes. Agreements with locations, equipment vendors, crew members, and actors should be finalized early in the production phase. Legal expertise is invaluable, and budgeting for legal services, which can range from $5,000 to $25,000 depending on the project's scale, is essential.
For high-stakes productions, considering completion bonds can prove beneficial. These bonds ensure the film's completion but come at a cost. For smaller, low-budget projects, completion bonds might not be necessary, although they add a layer of financial security for larger ventures.
Maximizing Financial Incentives and Tax Credits
Exploring financial incentives, such as tax credits offered by various regions, can significantly influence a film's financial landscape. These incentives are often provided to encourage filmmaking but come with specific criteria that must be fulfilled. Filmmakers should view financial incentives as additional revenue received post-production rather than relying on them for initial financing. This approach ensures better cash flow management and reduces financial obstacles during production.
During pre-production, refine the script to align it with the budget and available resources. Balancing creativity with practicality is vital, and the pre-production script review allows for adjustments that enhance both elements.
Proficient Financial Management
For a film project’s financial success, having an adept financial team is indispensable. Employing a production accountant or a skilled bookkeeper is crucial. These professionals ensure that expenses are accurately tracked, funds are adeptly managed, and robust financial controls are in place, especially since a substantial portion of production expenses is often in cash.
A well-articulated budget not only signifies financial prudence but also inspires confidence in investors. This boosts the likelihood of securing funding from various financiers. Diversifying funding sources, including private investors, banks, and financial incentives, mitigates financial risks associated with filmmaking.
Continuous budget tracking is another critical component. Regular reviews of the budget, juxtaposing actual expenses against planned costs, and making necessary adjustments help keep the project financially on track. This constant monitoring ensures effective utilization of resources throughout the production.
Best Practices for Filmmakers in New Jersey and New York
Filmmakers in New Jersey and New York have access to specific regional incentives and opportunities. Utilizing state tax credits available in both states can significantly lower production costs. Understanding and leveraging these incentives is key for financial efficiency.
Networking and collaboration are essential in the film industry. Building relationships with other filmmakers, producers, and industry professionals in the region can open doors to new opportunities and collaborations. These relationships often foster innovative projects and financial synergies.
For new filmmakers, starting with short films provides valuable experience and helps build a network of collaborators. This approach also allows for honing filmmaking skills and understanding the financial facets of production. Additionally, offering services to various filmmaking industries, such as commercials, corporate videos, and wedding films, can help ensure a consistent flow of work and income, diversifying revenue streams.
In conclusion, achieving financial success in the film industry involves detailed budgeting, strategic planning, and proficient financial management. By leveraging local incentives, networking, starting with short films, and diversifying income sources, filmmakers in New Jersey and New York can significantly enhance their financial prospects. This holistic approach ensures a balanced and successful filmmaking journey.
#FilmProduction #FinancialManagement #FilmIndustry #NewJerseyFilmmaking #NewYorkFilmmaking
``` Take control of your film's finances today. Learn the steps and visit https://www.kvibe.com for more insights.
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acutemd · 1 month
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The Ultimate Guide to Revenue Cycle Management Services in New York
In the fast-paced field that is healthcare revenue cycle Management (RCM) plays a crucial role in making sure that hospitals, medical practices and healthcare facilities keep the financial stability of their clients. It is crucial to understand that in New York, where the healthcare market is extremely competitive and multifaceted, understanding the intricacies of RCM isn't just an obligation, but a strategic necessity.
What is Revenue Cycle Management?
Revenue Cycle Management (RCM) refers to the method that healthcare providers use to control all aspects that affect the finances of care for patients starting from the first appointment until last payment. It involves a number of steps, which include patient registration and insurance verification, as well as charging capture, coding claims submission, posting of payments, and management of accounts receivable. The objective is to maximize the revenue while making sure that there are no delays or denials.
The Importance of RCM in New York's Healthcare Industry
The healthcare industry in New York is defined by a high population, varied patient demographic and a complex regulatory system. These aspects make effective RCM vital to the financial sustainability for healthcare organizations. If not properly managed, RCM processes could result in delays in payment, more denials and a substantial impact on healthcare providers' bottom line.
Key Components of Revenue Cycle Management
1. Patient Registration and Pre-Authorization
The RCM process starts with registration, which involves gathering exact patient data, including the demographics, insurance information and medical history. For New York, where a significant portion populace is covered by various insurance companies an accurate registration process is crucial to prevent billing mistakes. Pre-authorization is a crucial process to make sure that services are covered by the insurance policy prior to the time they are provided.
2. Insurance Verification
The process of verifying insurance coverage involves verifying the insurance coverage of the patient and benefits as well as their eligibility. In a state with a variety of states as New York, where patients might be covered by government-backed programs or insurers or federal plans, this process assures that healthcare providers are paid in a timely and accurate manner.
3. Charge Capture and Coding
It is the method of recording services that the patient receives Coding involves changing those services into standardized code (such such as CPT, ICD-10, and HCPCS). A precise coding system is crucial in order to assure the claims get filed in a timely manner and providers receive the appropriate reimbursement. For New York, where coding mistakes can lead to significant loss of revenue due to the large number of patients, accuracy in this field is a must.
4. Claims Submission
Claim submission is the process of submitting medical claims coded to insurance companies to receive reimbursement. The timely and exact submission of claims is essential to ensure a steady flow of income. For New York, where the competitiveness is high speed and precision of the claims process can distinguish a healthcare facility from other providers.
5. Payment Posting
Payment posting is the process of recording all payments received from insurance companies. This is vital in assessing how financially healthy the clinic and identifying any differences between expected and actual payments. When it comes to New York, where payment delays can have a significant impact on the flow of cash, a timely payment posting is vital.
6. Denial Management
Denial management refers to the process of identifying, analyzing and appeal against denied claims. In states like New York, where insurance firms are known for their strict process for reviewing claims, effective denial management is crucial in regaining revenues that otherwise would be lost.
7. Accounts Receivable Follow-Up
The Accounts Receivable (AR) follow-up is the process of pursuing the outstanding payment from patients and insurance companies. For New York, where healthcare providers typically have to deal with large volumes of claims, a thorough AR follow-up is required to warrant that there are no funds not left unclaimed.
Challenges in Revenue Cycle Management
Regulatory Compliance
The healthcare providers of New York have to navigate through a maze of state, federal and municipal regulations. Conformity to these regulations is vital to avoid fines in addition to warrant the claims get properly processed. Changes to regulations, like revisions to billing codes, or changes to insurance coverage requirements, may cause extra issues for RCM.
Technological Integration
Integration of Electronic Health Records (EHR) in conjunction with RCM systems is crucial to speed up the process of billing in order to rise accuracy. However the situation the situation in New York, where healthcare providers might use different EHR systems making seamless integration possible, it isn't easy. Incompatibility between the systems could cause delay and error during an RCM process.
Patient Payment Responsibility
With the increasing popularity of high-deductible health insurance plans and high-deductible plans in New York, patients are becoming increasingly accountable for a greater part of their healthcare expenses. This has made it harder for health providers to collect payment and patients might struggle to pay their medical bills. Effective RCM requires an open and transparent dialogue with patients about their financial responsibilities, as well as the use of payment options that are flexible.
leading Practices for Effective Revenue Cycle Management
1. Invest in Staff Training
Training is a must for RCM employees to be up-to-date with the latest codes for billing regulations, changes to the billing codes, and excellent methods. When it comes to New York, where the healthcare landscape is always evolving the need for staff training will result in more precise claims processing and increased revenue.
2. Leverage Technology
Implementing the latest RCM software could benefit to automatize several manual processes that are involved in collections and billing. For New York, where efficiency is crucial, leveraging technology can result in faster claims processing, less error and increased revenues.
3. Monitor Key Performance Indicators (KPIs)
Continuously monitoring KPIs, such as days in receivables denial rate, days in accounts receivable, and the rate of collection of payments can benefit healthcare professionals across New York identify areas for improvement in their RCM processes. By monitoring these parameters, they can take proactive actions to fix issues prior to they affect revenue.
4. Enhance Patient Communication
A clear communication with patients regarding their financial responsibilities could help ensure punctual payments and fewer billing disputes. When it comes to New York, where patients are from different backgrounds, it is essential to offer details on financial obligations in numerous languages and via different methods to assure that patients are aware of their obligations.
5. Join forces with RCM professionals
outsourcing RCM to specialized companies can be a cost-effective option for healthcare professionals located in New York who lack the capabilities or the resources required to handle RCM internally. RCM experts provide a wealth of expertise and experience and benefit healthcare the providers boost their revenues and reduce the number of denials.
Conclusion
In the highly competitive New York healthcare system, effective Revenue Cycle Management is essential to ensure financial success. By making sure that patient registration is accurate as well as timely submission of claims and efficient denial management Healthcare providers can maximize their revenues and assure their sustainability for the long term. By implementing perfect methods such as training for staff, integration of technology and communication with patients can further improve RCM procedures and benefit healthcare providers overcome the obstacles of the healthcare system in New York.
FAQs About Revenue Cycle Management Services in New York
1. What is the primary goal of Revenue Cycle Management (RCM)? The primary goal of Revenue Cycle Management (RCM) is to optimize the financial performance of healthcare providers by managing the entire billing and payment process. This includes everything from patient registration to the final payment, ensuring that providers receive timely and accurate reimbursement for the services they offer. 2. How does RCM help reduce claim denials? RCM helps reduce claim denials by ensuring that all information, such as patient details, insurance coverage, and service coding, is accurate before claims are submitted. Effective denial management strategies also include promptly addressing denied claims, identifying the root causes, and taking corrective actions to prevent future denials. 3. Why is insurance verification important in RCM? Insurance verification is crucial because it ensures that the patient’s insurance coverage is valid and that the services provided are covered under their plan. This step helps prevent issues such as claim denials or delays in payment, which can negatively impact the healthcare provider's cash flow. 4. Can RCM be outsourced, and what are the benefits of doing so? Yes, RCM can be outsourced to specialized firms. The benefits of outsourcing include access to expert knowledge, improved efficiency, reduced administrative burden on healthcare staff, and often, better financial outcomes due to the expertise and focus that an RCM firm can provide. 5. How can technology improve RCM processes? Technology can significantly improve RCM processes by automating tasks such as claims submission, payment posting, and denial management. Advanced RCM software can also provide real-time data and analytics, helping healthcare providers in New York make informed decisions and quickly address any issues that arise.
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3pshippinggg · 1 month
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How to Scale Your Amazon Business with an FBA Prep Center in New York
Scaling an Amazon business requires strategic planning and effective resource management. For sellers, particularly those operating in competitive markets, leveraging the services of an FBA (Fulfillment by Amazon) Prep Center in New York can be a game-changer. In this blog, we'll explore how to scale your Amazon business with an FBA Prep Center in New York, maximizing efficiency, reducing overhead, and focusing on growth.
Understanding the Role of an FBA Prep Center
An FBA Prep Center is a third-party logistics provider that assists Amazon sellers by managing various tasks such as receiving, inspecting, labeling, and shipping products to Amazon fulfillment centers. These centers ensure that products meet Amazon's strict requirements, which can be a time-consuming process if handled in-house.
By partnering with an FBA Prep Center in New York, Amazon sellers can delegate these logistical tasks, freeing up time to concentrate on other aspects of their business like marketing, product development, and customer service. This shift in focus allows sellers to scale their business more effectively and efficiently.
Benefits of Using an FBA Prep Center in New York
. Time and Cost Efficiency
Scaling your Amazon business often means dealing with increased inventory, more orders, and additional logistical challenges. An FBA Prep Center in New York can handle these tasks at scale, offering professional services that are both time-efficient and cost-effective. By outsourcing these operations, you can avoid the high costs associated with maintaining your own warehouse and hiring additional staff.
. Expert Compliance with Amazon’s Guidelines
Amazon has strict guidelines for packaging, labeling, and shipping. Non-compliance can result in delays, fines, or even the suspension of your account. An FBA Prep Center in New York is well-versed in Amazon’s requirements and ensures that your products are processed correctly, reducing the risk of errors and potential penalties.
. Strategic Location
New York's strategic location offers several advantages for Amazon sellers. With its proximity to major transportation hubs, an FBA Prep Center in New York can ensure faster delivery times to Amazon fulfillment centers across the country. This can improve your product's ranking on Amazon due to better fulfillment metrics and lead to increased customer satisfaction.
. Scalability
As your business grows, so does the complexity of managing inventory, orders, and shipping. An FBA Prep Center in New York is equipped to handle this growth seamlessly. Whether you’re expanding your product line or experiencing seasonal spikes in demand, a prep center can scale its services to meet your needs, ensuring that you’re always prepared to fulfill orders promptly.
How to Choose the Right FBA Prep Center in New York
Choosing the right FBA Prep Center in New York is crucial for scaling your Amazon business. Here are some factors to consider:
. Experience and Expertise: Look for a prep center with a proven track record and expertise in handling Amazon-specific tasks. This ensures that they understand the intricacies of Amazon’s FBA program and can help you avoid common pitfalls.
. Services Offered: Different prep centers offer varying levels of service. Make sure the center you choose provides all the services you need, from inspection and labeling to storage and shipping.
. Technology and Integration: A modern FBA Prep Center in New York should offer seamless integration with your Amazon seller account, providing real-time updates and inventory management. This helps in maintaining transparency and efficiency in your operations.
. Customer Support: Reliable customer support is essential, especially during peak seasons. Ensure that the prep center you choose has a responsive and knowledgeable support team that can address any issues quickly.
Partnering with 3PShipping to Scale Your Amazon Business
Scaling your Amazon business doesn’t have to be overwhelming. By partnering with a trusted FBA Prep Center in New York, such as 3PShipping, you can streamline your operations, reduce costs, and focus on what truly matters—growing your business. With 3PShipping, you gain access to a team of experts who understand the Amazon ecosystem inside and out. They offer comprehensive prep services tailored to your specific needs, ensuring that your products meet all of Amazon’s requirements.
In conclusion, leveraging the services of an FBA Prep Center in New York is a strategic move for any Amazon seller looking to scale their business. By choosing 3PShipping as your partner, you can confidently navigate the complexities of Amazon’s FBA program, knowing that your products are in capable hands. This partnership not only enhances your operational efficiency but also positions your business for sustained growth and success in the competitive Amazon marketplace.
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5 Ways How Top-Rated Auto Accident Attorneys Can Guide You to Legal Success
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Navigating the aftermath of an auto accident can feel overwhelming, especially when dealing with insurance companies, medical bills, and legal jargon. That's where the top-rated New York City Auto Accident Attorney comes in. They bring expertise and experience to your case, ensuring you receive the best possible outcome. Here’s how these legal experts guide you to success and make the complex process easier to handle:
Expert Case Evaluation: They start by thoroughly reviewing the details of your accident to build a strong case. This means assessing evidence, understanding liability, and determining the full extent of your damages.
Strategic Negotiation: Top attorneys know how to negotiate effectively with insurance companies to get you a fair settlement. They use their experience to push for the compensation you deserve, handling all the back-and-forth so you don’t have to.
Comprehensive Legal Guidance: From filing paperwork to meeting deadlines, these attorneys manage all legal aspects of your case. They ensure that every step is handled correctly, which can be crucial for a successful outcome.
Skilled Court Representation: They provide skilled representation if your case goes to court. Their courtroom experience and knowledge of legal procedures give them a strong advantage against the opposing party.
Personalized Support: Beyond legal expertise, top attorneys offer compassionate support, helping you navigate the emotional and practical challenges of your situation with care and understanding.
With the right attorney by your side, you can focus on recovering while they handle the legal battles. So to get the best services get in touch with the Godosky & Gentile website. Experienced lawyers hold accountable the parties who caused their accidents and help them maximize the compensation they receive from personal injury claims. For more visit the website!
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datascraping001 · 2 months
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Spa and Salon Mailing List
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Unlock Business Growth with Spa and Salon Mailing Lists by DataScrapingServices.com. In the competitive world of beauty and wellness, reaching the right audience is paramount. Whether you are a product supplier, a marketing agency, or a business looking to collaborate with spas and salons, having a targeted and accurate mailing list is essential. At DataScrapingServices.com, we specialize in providing comprehensive Spa and Salon Mailing Lists tailored to meet your marketing needs. Our data extraction services ensure you receive detailed and verified information, enabling you to connect with potential clients effectively.
List of Data Fields
Our Spa and Salon Mailing Lists encompass a wide range of data fields to provide you with a holistic view of your potential clients. Key data fields include:
- Business Name: The official name of the spa or salon.
- Owner/Manager Name: Key contacts who make business decisions.
- Address: Full physical address including street, city, state, and zip code.
- Phone Number: Primary contact numbers for direct communication.
- Email Address: Verified email addresses for marketing campaigns.
- Website: URL to the business’s website for further research.
- Services Offered: A detailed list of services provided by the spa or salon.
- Operating Hours: Business hours to understand availability.
- Social Media Profiles: Links to social media accounts for a broader marketing approach.
- Customer Reviews and Ratings: Gain insights into customer satisfaction and service quality.
Benefits of Spa and Salon Mailing List
1. Targeted Marketing:
Our mailing lists are meticulously curated to ensure you reach the right audience. This specificity increases the effectiveness of your marketing campaigns, leading to higher engagement and conversion rates.
2. Cost-Effective Campaigns:
By targeting only relevant businesses, you can save on marketing costs and allocate resources more efficiently. This focused approach ensures a better return on investment for your marketing efforts.
3. Improved Customer Relationships:
With accurate contact details and insights into the services offered, you can tailor your communication to match the needs of potential clients. Personalized marketing messages foster better relationships and build trust.
4. Data Accuracy and Reliability:
Our data extraction process emphasizes accuracy and verification, providing you with up-to-date and reliable information. This reduces the chances of bounced emails and failed communications, ensuring your marketing efforts are not wasted.
5. Enhanced Market Research:
The comprehensive data fields allow you to conduct thorough market research and understand industry trends. This knowledge can inform your business strategies and help you stay ahead of the competition.
Best Spa and Salon Mailing List Scraping Services
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Best Spa and Salon Mailing List Scraping Services in USA:
Nashville, Bakersfield, Raleigh, Los Angeles, Denver, San Francisco, Albuquerque, San Jose, Arlington, New Orleans, Milwaukee, Philadelphia, Dallas, Washington, Las Vegas, Orlando, Seattle, Virginia Beach, Mesa, Oklahoma City, Fresno, Wichita, Columbus, Kansas City, Springs, San Antonio, Fort Worth, Boston, Jacksonville, Louisville, Houston, San Diego, Memphis, Indianapolis, Chicago, Omaha, Charlotte, Long Beach, Honolulu, Miami, Tulsa, Atlanta, Austin, Sacramento, Portland, Colorado, El Paso, Tucson and New York.
Conclusion
In the dynamic and ever-evolving beauty and wellness industry, having access to a detailed and verified Spa and Salon Mailing List can be a game-changer for your business. At DataScrapingServices.com, we are committed to providing you with the most accurate and comprehensive data to help you succeed. Whether you are looking to launch a new product, expand your client base, or enhance your marketing strategies, our mailing lists offer the perfect solution. Contact us today to learn more about how our services can benefit your business and drive growth in the competitive market.
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