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<ul class="summary-list"><li><keyword id="79969" type="ORGANIZATION" weightage="60" keywordseo="insider">Insider</keyword> visited <a href="https://www.instagram.com/dr_mudgil/">Adarsh Vijay Mudgil, MD</a> from <a href="https://www.mudgildermatology.com/">Mudgil Dermatology</a> to see how a <keyword id="951091" type="ORGANIZATION" weightage="60" keywordseo="PRF">PRF</keyword> treatment works.</li><li>Platelet-rich fibrin (PRF) from a patient's blood draw is injected into the skin for <keyword id="62199" type="PERSON" weightage="60" keywordseo="hair-growth">hair growth</keyword>. </li><li>Three <keyword id="395015" type="PERSON" weightage="60" keywordseo="Treatments">treatments</keyword> are recommended and results can show after the second or third treatment.</li></ul><p><strong>Adarsh Vijay Mudgil, MD:</strong> Platelet-rich fibrin is one of the newer treatments that is available for patients with <keyword id="23927" type="PERSON" weightage="60" keywordseo="Hair">hair</keyword> loss.</p><p>So our wonderful patient today is a 25-year-old who is experiencing transient dramatic hair loss, which is called telogen effluvium. The first step is we have to draw our patient's blood. After we draw it, we spin it down in a centrifuge to separate out the blood into its various components. And what we're interested in harvesting is PRF, which is platelet-rich fibrin, which has a lot of nutrients and proteins that stimulate the stem cell in the hair follicles, which will stimulate hair growth and thicken existing hair.</p><p>When you pull the tube out, you're gonna see essentially, there's two layers that you're seeing. The top is sort of a yellowish fluid. That's the platelet-rich fibrin. Below that is everything else that's in blood. Your red blood cells, it's a very thick red, your white blood cells and platelets, all that stuff is on the bottom.</p><p>We use a very, very fine needle. We use a 32-gauge needle, which is super, super thin. And we also use a vibrating device that we use to trick the nerves on the scalp, so they're feeling the vibration rather than the stick of the needle. So it'll be about 60 shots, which are pretty evenly distributed around the crown of the scalp, going from the anterior part of the scalp all the way to the posterior part of the scalp, just behind the cowlick.</p><p>For our patients, we bolus them for the first three months, so they come once monthly for three months. And then in order to maintain the results, they come every four months thereafter. Then our patients start to notice a change between the second and third treatments generally. So once you've done those first three treatments, the results will generally last anywhere from four to six months. That's why giving your system another pop-up platelet-rich fibrin every four months keeps you ahead of the curve and helps you to maintain your results.</p><p>The <keyword id="6354629" type="UNKNOWN" weightage="100" keywordseo="beauty">beauty</keyword> of platelet-rich fibrin is that it's literally the most homeopathic treatment that you could possibly have for hair loss. We're injecting your blood products back into you. So there's no way you could have an allergic reaction. There are really no side effects, there's nothing bad that can happen other than some transient tightness of your scalp for the first 12 to 24 hours.</p>

PRF hair treatment can promote natural hair growth for balding hair

<ul class="summary-list"><li><a href="https://www.hhs.gov/about/news/2020/12/07/trump-administration-announces-new-half-billion-incentive-payment-distribution-to-nursing-homes.html">The Department of Health and Human Services (HHS)</a> will split $523 million in incentive payments among more than 9,000 nursing homes for reducing <keyword id="8763838" type="UNKNOWN" weightage="60" keywordseo="covid-19">COVID-19</keyword> related infections and deaths.</li><li>The agency gave the first payments out on Wednesday, and said it is "exhausting all measures to ensure nursing homes nationwide are safe."</li><li>Nursing homes have been particularly hard hit by the pandemic. Their residents and staff accounting for more than a third of the country's COVID-19 fatalities.</li><li>Officials have recommended that <keyword id="6354525" type="UNKNOWN" weightage="100" keywordseo="healthcare">healthcare</keyword> workers and residents of long-term-care facilities are first in line to receive a COVID-19 vaccine. </li></ul><p>The government is giving financial rewards to nursing homes that slowed the spread of COVID-19 among their residents.</p><p><a href="https://www.hhs.gov/about/news/2020/12/07/trump-administration-announces-new-half-billion-incentive-payment-distribution-to-nursing-homes.html">The Department of Health and Human Services (HHS)</a> will share incentive payments totalling $523 million among more than 9,000 nursing homes, with the first payments given out on Wednesday.</p><p>This marks the first time the US has given financial rewards to institutions for maintaining COVID-19 prevention measures, <a href="https://www.washingtonpost.com/business/2020/12/09/nursing-home-infection-control/">The Washington Post reported</a>.</p><p>Around 69% (9,248) of nursing homes in the US that are eligible for <keyword id="333946" type="ORGANIZATION" weightage="60" keywordseo="HHS">HHS</keyword> support will receive the funding.</p><p>"These nursing homes are being rewarded for successfully reducing COVID-19-related infections and deaths between September and October," HHS <a href="https://www.hhs.gov/about/news/2020/12/07/trump-administration-announces-new-half-billion-incentive-payment-distribution-to-nursing-homes.html">said in a statement Monday</a>.</p><p>Nursing homes can use the funding to purchase more personal protective equipment "or other efforts to help slow the spread of COVID-19," HHS said. The virus "continues to take a devastating toll on nursing homes stretched thin," the agency added.</p><p>More than 100,000 <keyword id="390591" type="COMPANY" weightage="60" keywordseo="nursing-home">nursing home</keyword> residents and staff have died from the virus in the US, accounting for more than a third of the country's COVID-19 fatalities, according to <a href="https://www.kff.org/health-costs/issue-brief/state-data-and-policy-actions-to-address-coronavirus/#long-term-care-cases-deaths">Kaiser Family Foundation data.</a></p><p>Earlier this month, <a href="https://www.businessinsider.com/healthcare-workers-long-term-care-residents-recommended-to-get-vaccines-first-2020-12">the Centers for Disease Control and Prevention's Advisory Committee on Immunization Practices voted to recommend that healthcare workers and residents of long-term-care facilities receive a coronavirus vaccine first</a>.</p><p>A panel of outside advisors to the FDA is <a href="https://www.businessinsider.com/coronavirus-vaccine-timeline-when-will-they-get-authorized-shots-start-2020-11">meeting Thursday</a> to vote on whether to recommend that the FDA issues an emergency authorization for the shot. If the FDA agrees with the recommendation and decides to proceed, people may start getting the shot as early as Friday. Though <a href="https://www.businessinsider.com/covid-vaccine-may-not-be-distributed-until-four-days-later-2020-12">there may be delays to distribution</a>.</p><p><em><strong>Read more:</strong> <a href="https://www.businessinsider.com/what-pharmacies-hospitals-could-profit-from-covid-19-vaccine-2020-11?r=gd-sub">Pharmacies, doctor's offices, and hospitals are gearing up to give coronavirus vaccines to millions of Americans. Here's how they're preparing and how much they stand to profit along the way.</a></em></p><p>In August, HHS announced plans to distribute an additional $5 billion in Provider Relief Fund (PRF) payments to nursing homes, including $2 billion for an incentive-based program to rewards nursing homes that "create and maintain safe environments for their residents."</p><p>In the first round of funding in October, the agency gave $331 million in emergency funds to nursing homes for keeping new COVID-19 infection and mortality rates among residents "lower than the communities they serve." This second round of $523 million will be followed by three further rounds.</p><p>"Paired with continued funding directly tied to COVID-19 infection and mortality rate reductions, HHS is exhausting all measures to ensure nursing homes nationwide are safe," the agency said.</p><p>This includes free interactive COVID-19 safety training and mentoring through the Agency for Healthcare Research and Quality, which only half of all US nursing homes have enrolled on, HHS said.</p><p>"As we approach the rollout of safe and effective vaccines for our most vulnerable, we continue the innovative program we created this year to incentivize and assist nursing homes in battling COVID-19 and applying the right infection control practices," said HHS secretary, Alex Azar.</p><p>"This half a billion dollars in incentive payments will reward nursing homes that have shown results in their tireless work to keep their residents safe from the virus."</p>

The US is giving $523 million to 9,000 nursing homes for reducing COVID-19 cases. This is the first time it has given institutions financial rewards for controlling the spread.

<p>As the exchange-traded world continues to expand, many investors find themselves asking the same questions about how these products work. Of course, not everyone is as vocal about their curiosities, leaving a number of unanswered questions in the space. In an ongoing effort to keep you educated about the ETF world, we mapped out ten questions you may have been too afraid to ask [see also <a href="http://etfdb.com/wp-content/uploads/2012/04/Free-Report-3.pdf">How To Pick The Right ETF Every Time</a>].</p>
<h3>1. What Is An ETF?</h3>
<p>It seems basic, but as <keyword id="46594" type="PERSON" weightage="60" keywordseo="ETFs">ETFs</keyword> continue to grow in popularity, more and more investors find themselves <a href="http://etfdb.com/2012/what-is-an-etf/">asking this question</a>. An ETF is basically an ownership stake in a pool of assets. When an investor buys an ETF share, he or she is buying a small percentage ownership of a large portfolio of stocks, bonds or other assets. ETFs allow a large number of investors to basically “share” in a larger, more diversified portfolio than they could assemble on their own.</p>
<h3>2. What’s the Difference Between ETFs and ETNs?</h3>
<p>While both are prominent structures for exchange-traded products, there are several differences between ETFs and ETNs that investors should know before investing. First off, ETNs are debt instruments and are at the credit risk of their issuer, whereas ETFs do not face this issue. While it is rare for an ETN to suffer from credit risk, it is worth noting that Lehman Brothers had several ETNs at the time of their demise in 2008.</p>
<p>Next comes taxes. ETNs will always issue a 1099, as will most ETFs. But certain ETFs, like those that hold futures, will issue a pesky K-1 come tax time. Also, ETNs are <a href="http://etfdb.com/2011/when-etns-are-better-than-etfs/">always taxed</a> at 15% for long-term capital gains and 35% for short-term capital gains; this figure often varies for ETFs. It is also worth noting that ETFs can exhibit tracking error, while ETNs will never incur this issue. Finally, as a debt instrument, ETNs will mature one day and liquidate, by design, back to shareholders. The <a href="http://etfdb.com/2011/when-structure-matters-etf-etn-or-other/">structure of a product</a> has a huge impact on its exposure.</p>
<h3>3. What is Tracking Error?</h3>
<p>Tracking error, simply put, is the delta between the performance of an ETF and the change in the underlying index. Perhaps the simplest source of tracking error is the expense ratio of an ETF; funds operating at full efficiency can be expected to trail their underlying index by a margin equal to the bottom line fees charged. Indexes are hypothetical measures of performance that are not directly investable–there is no associated management fee or other expense components.</p>
<p>Sometimes the culprit is thin trading volume, as some products can go days without trading, which does not allow their price to accurately reflect the index at the current time. Other times a rebalancing of the underlying index may mean that the fund does not have enough time to catch up. Read more on <a href="http://etfdb.com/2011/why-etf-tracking-error-occurs-and-how-to-avoid-it/">how tracking error is caused</a> and how to beat it.</p>
<h3>4. What Happens When an ETF Shuts Down?</h3>
<p>As more and more ETFs hit the market, it is inevitable that some will be forced to close their doors. It costs money to run an ETF and after a certain point it becomes too expensive for an issuer to keep the product open. An ETF closing is not cause for panic; you’ll have the opportunity to either sell your shares prior to the delisting or to receive your share of cash proceeds. That may be less than optimal; the sale may trigger some tax liabilities, and there are costs associated with redeploying capital. But overall, an ETF closure isn’t really a big deal. Read more about how to <a href="http://etfdb.com/2011/how-to-deal-with-etf-closures-qa-with-paul-weisbruch/">handle closures</a>.</p>
<p>google.load('visualization', '1', {packages: ['corechart']}); function drawVisualization() { // Create and populate the data table. var data = google.visualization.arrayToDataTable([ ['Year', 'Launches', 'Closures', ], ['2009', 137, 56, ], ['2010', 231, 49, ], ['2011', 310, 38, ], ['2012', 177, 104, ], ]); // Create and draw the visualization. new google.visualization.ColumnChart(document.getElementById('visualization74221')). draw(data, {title:"ETF Launches and Closures By Year", width:600, height:400, hAxis: {title: "Year"}} ); } google.setOnLoadCallback(drawVisualization);</p>
<h3>5. What’s Up With Leveraged ETFs?</h3>
<p>Leveraged ETFs and ETNs have been the subject of much debate over the past few years. Many will look at the long-term performance of a leveraged product versus its underlying index, and be left scratching their heads when the returns do not exactly line up with the leverage the fund presented. It is all based on the reset frequency of the product, and most leveraged funds reset daily. This means that the fund is only designed to provide its levered exposure for one trading session, not over a long period of time.</p>
<p>There are some monthly resetting products and some that never reset, but daily leverage is the most popular option currently available. <a href="http://etfdb.com/2011/lessons-from-the-leveraged-silver-etf-agq/">This article</a> takes an in-depth look at reset frequencies and why these trading products are so misunderstood.</p>
<h3>6. Does Weighting Methodology Really Matter?</h3>
<p>Absolutely. There are many different strategies that encompass the ETF space: equal, RAFI, earnings, revenue, dividend and AlphaDEX are just a few of the methodologies that have struck a chord with investors. The weighting of your fund makes a fundamental difference to the performance of the fund. Take the S&amp;P 500 for example; below we compare the performance of several different funds that all put a different spin on the popular index.</p>
<table id="portfolioreturn" align="center">
<tbody>
<tr><th colspan="3">Alternative Weighting At a Glance</th></tr>
<tr>
<td><strong>ETF</strong></td>
<td><strong>Weighting</strong></td>
<td><strong>2012 Return</strong></td>
</tr>
<tr>
<td style="text-align: left;">SPDR S&amp;P 500 (<a href="http://etfdb.com/etf/spy/">SPY</a>)</td>
<td>Market Cap</td>
<td style="text-align: center;">15.99%</td>
</tr>
<tr>
<td style="text-align: left;">Large Cap Fund (<a href="http://etfdb.com/etf/RWL/">RWL</a>)</td>
<td>Revenue</td>
<td style="text-align: center;">17.91%</td>
</tr>
<tr>
<td style="text-align: left;">Earnings 500 Fund (<a href="http://etfdb.com/etf/EPS/">EPS</a>)</td>
<td>Earnings</td>
<td style="text-align: center;">14.58%</td>
</tr>
<tr>
<td style="text-align: center;">LargeCap Dividend Fund (<a href="http://etfdb.com/etf/DLN/">DLN</a>)</td>
<td>Dividend</td>
<td style="text-align: center;">12.74%</td>
</tr>
<tr>
<td style="text-align: left;">FTSE RAFI US 1000 (<a href="http://etfdb.com/etf/PRF/">PRF</a>)</td>
<td>RAFI</td>
<td style="text-align: center;">16.80%</td>
</tr>
<tr>
<td style="text-align: left;">S&amp;P Equal Weight ETF (<a href="http://etfdb.com/etf/RSP/">RSP</a>)</td>
<td>Equal</td>
<td style="text-align: center;">17.16%</td>
</tr>
<tr>
<td style="text-align: left;">Equal Sector Weight ETF (<a href="http://etfdb.com/etf/EQL/">EQL</a>)</td>
<td>Equal Sector</td>
<td style="text-align: center;">14.43%</td>
</tr>
</tbody>
</table>
<p>As is clearly evidenced above, though these funds all track the same parent index, the way they slice and dice the holdings makes a big difference on bottom line returns. Check out a more in-depth explanation of the <a href="http://etfdb.com/wp-content/uploads/2011/12/Alternative-Weighting-Methodologies-Webinar.pdf">various alternative weighting methodologies</a>.</p>
<h3>7. Does a Slight Difference in Fees Matter?</h3>
<p>While it may seem like a minute difference, a couple of basis points over time can be a big deal. The ETF industry seems to pride itself on offering the most competitive prices for investors, as a battle of cost-cutting has ensued in the past few years. As a result, some funds, like VWO, have been able to outdo competitors that track similar holdings. One popular comparison comes between two physical gold ETFs, the iShares COMEX Trust (<a href="http://etfdb.com/etf/IAU/">IAU</a>) and SPDR Gold Trust (<a href="http://etfdb.com/etf/gld/">GLD</a>); the former charges 0.25% and the latter 0.40%.</p>
<p>Consider two different million dollar portfolios, one which is wholly invested in GLD and the other doing the same for IAU (obviously a diversification nightmare, but stick with us). The GLD portfolio will incur annual expenses of $4,000, while its competitor will shell out only $2,500. That $1,500 difference seems minuscule for just one year, but drag it out over a 30-year investment and the difference between fees amounts to $45,000, or 4.5% of your original investment. Saving yourself a quick 4.5% could have been as simple as buying IAU over GLD. Read more about this <a href="http://etfdb.com/2011/cost-competition-inflows-surge-for-cheap-etfs/">cost battle</a>.</p>
<h3>8. How Are ETFs Treated Come Tax Season?</h3>
<p>The answer to this question depends entirely on the underlying exposure of the fund. Some products, like physical precious metals funds, are taxed as collectibles at 28%. Others are given the normal 15/35 treatment, and still others are subject to other rates. Investors will also want to note that structure will often dictate whether or not they are issued a K-1 or 1099 come tax time. Our <a href="http://etfdb.com/etfdb-category/large-cap-blend-equities/taxes/">comprehensive database</a> provides you will all of the tax information you will need to make an informed decision.</p>
<table align="center">
<tbody>
<tr><th colspan="3">ETFs That Issue A K-1</th></tr>
<tr>
<td><em><strong>Ticker</strong></em></td>
<td><em><strong>ETF</strong></em></td>
<td style="text-align: center;"><em><strong>Expense Ratio</strong></em></td>
</tr>
<tr>
<td style="text-align: left;"> <a href="http://etfdb.com/etf/AGQ/">AGQ</a></td>
<td style="text-align: left;">Ultra Silver</td>
<td style="text-align: center;"> 0.95%</td>
</tr>
<tr>
<td style="text-align: left;"> <a href="http://etfdb.com/etf/BNO/">BNO</a></td>
<td>United States Brent Oil Fund</td>
<td style="text-align: center;"> 0.75%</td>
</tr>
<tr>
<td style="text-align: left;"> <a href="http://etfdb.com/etf/BOIL/">BOIL</a></td>
<td>Ultra DJ-UBS Natural Gas</td>
<td style="text-align: center;"> 0.95%</td>
</tr>
<tr>
<td style="text-align: left;"> <a href="http://etfdb.com/etf/CANE/">CANE</a></td>
<td>Sugar Fund</td>
<td style="text-align: center;"> 1.00%</td>
</tr>
<tr>
<td style="text-align: left;"> <a href="http://etfdb.com/etf/CMD/">CMD</a></td>
<td>UltraShort DJ-UBS Commodity</td>
<td style="text-align: center;"> 0.95%</td>
</tr>
<tr>
<td style="text-align: left;"> <a href="http://etfdb.com/etf/CORN/">CORN</a></td>
<td>Corn Fund</td>
<td style="text-align: center;"> 1.42%</td>
</tr>
<tr>
<td colspan="3"><a href="http://etfdb.com/2012/etf-tax-tutorial-complete-list-of-etfs-that-issue-a-k-1/"><em>See the full list here</em></a></td>
</tr>
</tbody>
</table>
<h3>9. Why Invest in an Index?</h3>
<p>Gone are the days when active management was the best decision for investors. Actively-managed mutual funds consistently fail to beat the market; nearly 86% of the time when expenses are factored in. Index funds provide investors with a better long-term exposure and at a much lower cost to boot. While there certainly are individuals who can beat the market, studies have proven over and over that index funds outperform their competitors the vast majority of the time.</p>
<h3>10. Are ETFs Better Than Mutual Funds?</h3>
<p>Better is not the right term to use in this situation, despite how frequently this question is asked. Every product is different depending on your objectives, but there are a number of factors that set ETFs apart from their mutual fund counterparts. ETFs are cheaper, more transparent, allow for margin buying and short selling, and offer more control over capital gains, for starters. The list of differences goes on and on, but at the end of the day the only person who can decide which product is better is you. Take a look through some of the <a href="etfdb.com/2009/etfs-vs-mutual-funds-five-trends-show-that-etfs-are-winning/">key differences between these two investment vehicles</a>.</p>
<p>[For more ETF analysis, make sure to sign up for our <a href="http://etfdb.com/newsletter/">free ETF newsletter</a> or try a <a href="http://etfdb.com/pro/">free seven day trial to ETFdb Pro</a>]</p>
<p><em>Disclosure: No positions at time of writing.</em></p>
<p><a href="http://etfdb.com/2013/10-questions-about-etfs-youve-been-too-afraid-to-ask/">Click here to read the original article on ETFdb.com.</a></p>
<p> </p>
<p><strong>Read more posts on <a href="http://etfdb.com">ETF Database »</a></strong></p>

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PRF hair treatment can promote natural hair growth for balding hair

Caroline Mishelle Aghajanian,…

PRF hair treatment can promote natural hair growth for balding hair

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The US is giving $523 million to 9,000 nursing homes for reducing COVID-19 cases. This is the first time it has given institutions financial rewards for controlling the spread.

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