resourcesABOUT MT AUTHOR GUIDELINES CLASSIFIEDS EDITORIAL CALENDAR MEDIA GUIDE MASSAGE MART SCHOOLS & EDUCATION FEEDBACK
Hazards in the Environment Making Your Patients Sick
Working both separately and together, Western and Chinese medicine have many successes in the treatment of the myriad diseases that afflict human beings in modern times.
Looking For Answers In Many Places
I am sure we have all heard the old adage: "When the only tool in your toolbox is a hammer, everything starts to look like a nail."
Talking to Skeptical MDs: "Just the Facts, Ma'am"
The first lesson in public speaking is to know your audience. This is particularly applicable when talking to skeptical medical doctors about chiropractic. You have to understand where they are coming from and speak the language they understand.
The Kidney Official
The Kidney is known as the Official Who Controls the Waterways. In Western medical terms, a major function of the Kidneys is to filter the blood. Every day, a person's kidneys process about 200 liters of blood to sift out about two liters of waste and excess water.
Resolving Medial Arch Suspicions: The Navicular Drop Test
Healthy feet have three distinct arches: medial longitudinal, lateral longitudinal and anterior transverse.
Not Another Typical Drug Company Lawsuit
It's becoming more common to see drug manufacturers negotiate "false claims" settlements for millions and billions of dollars.1-2 Most of these settlements have to do with violations in the marketing of the drugs they produce and sell.
Getting Athletes Back in the Game: Low-Level Laser Therapy for Sports Injuries
Sports injury rehabilitation is all about getting back in the game quickly and with optimal health. A relatively new tool for the treatment of sports injuries is finding global success, and it is doing so in a fast, efficient way.
Spotlight on Acupuncture Research at IRCIMH
Acupuncture and Traditional Chinese Medicine were well-represented at the International Research Congress on Integrative Medicine and Health (IRCIMH)- 2014 which took place in Miami from May 13–16.
Offline Marketing Techniques: Opportunities to Help Grow Your Business
In a world becoming increasingly dominated by connected devices, when we think of marketing, we often think of online and social media marketing. Considerable attention is given to Facebook and Twitter, as well as CPC [cost-per-click] advertising.
Post-Concussion Patient Care: Relevance of the Chiropractic Adjustment
There is a widespread understanding within the profession of the general guidelines for care of the concussion patient. These include guidelines for physical and cognitive rest, return to normal activities and so forth.
Best Practices for Website Success
If one asked 10 years ago whether a website was relevant I was the first to suggest no. Yet as the world moves increasingly towards electronic information there is a dire need to have a website for your practice. Your website is actually your electronic calling card.
Inside Liver Failure, Cirrhosis and Cancer
The Liver belongs to Wood in Five Element Theory and is in charge of Dispersing and Expanding which means all the processing and detoxifying of harmful substances such as medications and chemicals require the efforts of the Liver.
The Gluteal-Knee Connection
The underlying causes of knee pain and dysfunction are rarely isolated to the knee. The knee is a relatively stable joint with limited intrinsic ability to adapt to aberrant motion.
Super Bowl Chiropractor
With opening night of the 2014 National Football League season only a month away, what better time to talk to Dr. Jim Kurtz, team chiropractor for the defending Super Bowl champion Seattle Seahawks?
Looking Back: Abstracts From Chiropractic History
D.D. Palmer's Technique for the Posterior Apical Prominence; An Early Attempt to Achieve Consensus on Subluxation; Chiropractic Subject Headings: Past, Present and Future; Mabel Palmer: A History of Chiropractic That Almost Wasn't.
The Acupuncture Success Express
Time is passing very quickly these days. We are atoms half the way through the year of the horse. You could call it "horse racing season" for this profession. Perhaps it is time for reinvention during this time.
F4CP: New Campaign to Promote Chiropractic as a Career
The F4CP has announced a "targeted cooperative campaign" that will engage doctors of chiropractic and chiropractic students, as well as chiropractic colleges, chiropractic media, state associations and vendors, to encourage DCs to recommend a chiropractic career to patients, family and friends.
Deciphering The New CMS 1500 Claim Form
Q: I am confused on using the new 1500 form, particularly Block 14 and Block 15. What is required and how do I properly fill these out? And do I actually have to use this new form or may I continue using the old version?
Advice for Young Doctors
When I began practice, I was just shy of my 25th birthday. I was young and I looked it. I had been told this would be a problem when starting a practice – and it was. Older patients often paused when they entered for care.
Healing With Hope
Ella is a Gulf War veteran and a survivor of military sexual trauma. Like hundreds of veterans, Ella was on 11 different medications for depression, anxiety, insomnia, irritable bowel syndrome and chronic pain.
Primary Lateral Sclerosis: A Condition With a Chiropractic Connection
Primary lateral sclerosis (PLS) is a slowly progressive, adult degenerative disease of the upper motor neurons characterized by progressive spasticity or stiffness. It is a clinical diagnosis that has been avoided because it is (largely) a diagnosis of exclusion.
Healing With Simple, Healthy Food
When it comes to your health, there is no better way to take control and create positive outcomes than by focusing on diet and lifestyle. As chiropractors, you know the power that regular self-care has for your patients.
June, 2014, Vol. 14, Issue 06
Till Debt Do Us Part
By H. William Wolfson, DC, FICC, MS
Individuals may view the concept of debt differently. The ability to eliminate debt may prove to be daunting due to the lack of understanding the true and final costs of borrowing and not setting goals on how best to approach the task of its elimination.
When I graduated from chiropractic college in 1981, loan rates at banks were 18% to 21%. However, the need to obtain money was an important and necessary action step to open an office. It is the same goal for you when you finish your massage education and are thinking about opening your own massage practice. Realizing it takes time to establish a practice, the decision to open with bare bone (no pun intended) necessary equipment and making the office as inviting and functional as possible vs. grandiose and opulent was paramount. As earned income became available, better equipment, decorating, more staff, etc. could be added. One's goal is to meet monthly expenses. This entails becoming diligent by keeping expenses low and saving where possible, but without sacrificing quality of service.
A priority after paying all monthly expenses is developing a financial cushion for unexpected expenses by funding a three to six month emergency account. Opening and depositing into separate bank accounts for office, personal, tax and emergency expenses allows for paying and funding specific needs. Reducing debt, i.e., credit card balances or school and office loans can be the next goal. An option is to get rid of smaller amounts of debt, even if it is at a lower interest rate vs. paying down larger debt at higher rates. The ability to reduce debt and the number of loans may serve as a catalyst to help you remain on track and further reduce remaining debt owed. Essentially, beginning the process entails adding an additional payment earmarked specifically to principal thereby reducing the outstanding loan and ultimate payoff period. In addition, make sure to pay the required monthly payments of all outstanding loans.
Ultimately, reducing debt and continuing to save requires staying the course; paying credit cards in full when due, exploring life insurance opportunities by leveraging the premium for necessary coverage and possible cash value, saving for your children's education, contributing to a retirement fund, etc. If you are self employed or have access to a company plan, it is prudent to begin participating in a qualified retirement plan as early as possible. Becoming diligent and aware of income vs. expenses and modifying your plan as needed, allows for being profitable and remaining aware of investing and saving opportunities. Asking for help and guidance from professionals including a Certified Financial Planner, accountant or an estate attorney may prove to be a wise decision. After a thorough review, everyone should understand your needs, goals and risk tolerances for investing, saving, estate planning or charitable giving.
Despite some pundits stating debt is okay to maintain, becoming debt free allows you to share time and thoughts freely without fear of being buried under the burden of debt. Volunteering your time and giving financial assistance to causes which align with your mantra is good for you and the charity. Financial health may be compared to being on a diet. If you spend more than you earn, you develop debt. If you save more than you spend, you have a surplus and possess opportunities to explore and share. Placing yourself on a financial diet takes commitment, diligence, fortitude and goals. The journey begins after you take the time to examine where you are and where you want to be, speaking with professionals who understand your goals, and sticking to your plan!
H. William Wolfson, DC, FICC, MS, obtained his Masters of Science (MS) Personal Financial Planning from The College for Financial Planning and is a candidate for CFP® professional certification. Dr. Wolfson remains active and engaged in chiropractic by volunteering his time as NY Delegate to the American Chiropractic Association and serving on assorted committees. He is also a board member of the New York State Chiropractic Association. Dr. Wolfson participates on assorted committees with the Financial Planning Association LI chapter. Dr. Wolfson retired after twenty seven years of active practice and may be reached at
Join the conversation
Comments are encouraged, but you must follow our User Agreementcomments powered by Disqus
Keep it civil and stay on topic. No profanity, vulgar, racist or hateful comments or personal attacks. Anyone who chooses to exercise poor judgement will be blocked. By posting your comment, you agree to allow MPA Media the right to republish your name and comment in additional MPA Media publications without any notification or payment.