![]() ![]() There’s a patient who may have gout so I ask the lab if I can take a look at the synovial fluid under a microscope (no crystals, phew!)ħ:45 am: If I have a quick minute, I sneak away to the cafeteria and quickly scarf down a mini bowl of Cheerios and a bottle of water.Ĩ – 9 am: We attend Morning Report, where a resident presents an interesting case and lesson from their current service. Sometimes, if I have patients I know can be discharged today, I send the case manager a quick message to ask of any disposition updates.Ħ:45 am: I grab my face shield, stethoscope, and N-95 and head downstairs, power-walking to all the different floors my patients are located on to see how they’re doing this morning.ħ:30 am: I sit down and scan a few patient charts for more information. This is the time to replace some low potassium. I jot down their morning labs, and for those who don’t have them, I give the nurse a quick, appreciative call to request lab draw as soon as they can. ![]() It turns out that one of my patients ended up going to the ICU overnight for increased breathing requirements.Ħ:15 am: I sit down at the computer and review my patients’ charts, checking for any updates overnight or from consultants. ![]() I ask my night team colleagues if anything happened overnight. I print my team list for the day and clean my computer station to use for the day. My temperature is usually below-normal because I’m so cold from my walk to the parking lot (and the iced coffee).Ħ:05 am: I quickly put on my white coat and make sure my multi-colored pen is in my pocket. I only live 8 minutes away, so I chug it by the time I reach the hospital parking lot.Ħ:00 am: They scan my head for fever and ask me if I have any symptoms. I have a coffee maker at home, but I’ve been treating myself to Starbucks vanilla iced coffee most mornings as I drive to work. #Iobserve rating and michigan full#Finally, the rating is released to the issuer, then to a wire service, followed by a publication of full credit report.A Day in the Life of an Internal Medicine PGY1ĥ:35 am: Time to start the day! I’m on-call today. The credit analyst makes a presentation before a rating committee comprised of senior analysts. The credit analyst presents credit for "sign-off" with the senior analyst and makes a recommendation for rating. The credit analyst prepares a municipal credit report which discusses key analytical factors. documents that may pertain to the bond issuance as requested by the rating agencies.įollowing this, a meeting is set up at the rating agency's or issuer's office to present the credit worthiness.legal documents relating to the security for the bonds.bond counsel opinion addressing the authority and tax-exempt status of the bond issuance.current budget information, including economic assumptions and trends.audited and unaudited financial statements.Generally, the following draft documents should be provided to the rating agencies as soon as possible: The rating request is usually done several weeks before the issuance of the bonds to allow time for the rating agencies to perform their review and analysis. The rating process begins with an application to the rating agencies by the issuer or its agent either via a telephone call or in writing. Anything below triple B is commonly known as a "junk bond." (See the rating agency sites for specific definitions.) Rating Agencies The credit rating symbols (long-term) are generally assigned with "triple A" as the highest and "triple B" (or Baa) as the lowest investment grade (See below for definition of rating grades). Generally, a higher credit rating would lead to a more favorable effect on the marketability of a bond. It measures the probability of the timely repayment of principal and interest of a bond. A credit rating is an independent assessment of the creditworthiness of a bond (note or any security of indebtedness) by a credit rating agency. ![]()
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