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Auto Pilot Income – How to Make Thousands of Dollars Working From Home

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Many people today are looking for ways to make money from home in order to supplement their income. They are looking for ways to make money without putting in a 40-hour work week. Fortunately for them, there are plenty of what I call "Auto Pilot Income" opportunities. These opportunities will allow you to make several hundreds or thousands of dollars monthly from your home without requiring you to make a full time effort.

The key elements of the Auto Pilot Income opportunities are advertising, fulfillment, need, market size, and urgency . Mastering each of these elements will allow you to become very successful and achieve the financial goals you have created for yourself. A brief discussion of each element follows.

Advertising – People need to know you have something to sell them. Connecting the buyer and seller is what advertising is all about. Putting your message in front of the prospect and allowing them to evaluate it and take action. There are many ways to advertise in this age. One of the most popular methods is online and more precisely pay per click advertising. With this method, the advertiser (that's you) only pays the advertising fee when someone clicks on the advertisement. If your campaign is setup correctly, it's a great way to ensure that the people you are trying to target are seeing your ad. There is a bit of a trial and error period for novices but there's plenty of resources to steer you in the right direction as well.

Word of mouth advertising is also still popular as evident by the number of network marketing systems in place. Network marketing is a great way to inform people about you and your product or service. It's a low-cost method that allows for a somewhat personal touch. Given enough time and with enough people, you can communicate your message to the masses in a very effective manner.

Print advertising is still alive and well but not as popular as in previous times. People still read newspapers and magazines but the majority of your prospects will be online these days. You should attempt to negotiate a hard bargain when it comes to print advertising. Be sure you get the facts on how many people receive the periodical and the frequency it goes to print. Also ensure that your ad is picture perfect before it goes to print because it can't be updated once it has been printed.

Fulfillment – There was a time when a business owner received an order, packaged the product, and shipped the order to the customer. Now, with the help of technology, the business owner can be thousands of miles from the fulfillment center. Many products that are shipped come from warehouses in which the business owner rarely visits. An order can be placed online then sent to the fulfillment center. The fulfillment center staff receive the order, package the product, and ship it to the customer. The business owner is not tied to the warehouse and in many cases, is unaware of the fulfilled order until he or she reviews the production reports. There are many companies that excel in fulfilling orders and will gladly take the responsibility off of your hands, for a small fee of course.

There are also many companies that provide services that once were the sole obligation of the business owner. These companies can learn about your business, train their representatives in the most efficient manners to provide the quality services the business owner once provided. Outsourcing has become a very popular strategy for large companies but the small business owner is learning how to profit from the strategy as well.

Need – Regardless of the type of advertising you select and whether you fulfill the product or service personally or outsource those tasks, it is imperative that your business addresses and solves a need in the market place. Without a real need, it is going to be difficult to convince someone that your imitation alligator laptop carrying case is a real bargain – at any price!

Identifying a need is critical and should be the first step when starting a new business or launching a new product or service. What is it that people are willing to pay their hard-earned money for these days? What is going on in the world around you? Where are people going? What are people doing? What will people be doing? Ah ha! Being able to predict the future is necessary if you want to be successful with identifying a need. Before you go digging through your attic for the crystal ball that you're now seeking, let me assure you that there are plenty of market research companies that have put a lot of time and effort into predicting the future for you. There are countless marketing reports available at a price that will help you in your search for a need.

There are also numerous resources that will help you gather your own market data. The point is that a need must be uncovered before money or energy is spent on advertising. One such need that has been covered in depth recently by the media is retirement and more specifically, retirement for baby boomers. Many baby boomers are quite concerned about their ability to afford retirement. Many surveys have shown that people from this group are delaying retirement and working longer because they have not saved sufficiently for their future.

Market Size – Size does matter in this case. Your market size will determine how much money is available for your product or service. Do you want to be a big fish in a little pond or a little fish in a big pond? The market size should be large enough to accommodate you and future competitors that Carpe Diem also. Is your market large enough locally or will you need to launch a national campaign in order to reach your financial targets?

Taking the baby boomer market example which, by the way, consists of approximately 77 million people, one can see numerous opportunities or needs within one group. 77 million people is a really big market. As a matter of fact, many of the large companies in the world today have been marketing to this group for a long time. They see the importance of reaching this target audience because of the size of it as well as other reasons.

Urgency – This is what is used to get them off of the fence. Retailers use one-day only sales in order for customers to pull out their wallets. "This opportunity won't last long" is common among advertisers stressing the deadline for a particular promotion. Without urgency, your prospects will delay their decision to purchase until they have enough reason to purchase (if any). Urgency must be created so your prospects will take appropriate action which is to buy what you're selling.

Many online business owners utilize limited-time promotions or limited inventory in some cases in order to create a sense of urgency. The prospect needs to feel compelled to take the next step if you are going to be successful.

Do you think the baby boomers facing retirement feel a sense of urgency? Are they running out of time and options? How serious would it be if they ran out of money? Do you get the picture?

Becoming successful with the advertising, fulfillment, need, market size, and urgency elements will ensure your financial success.

The Internet has changed the way commerce is conducted in many ways. The Internet, the right opportunity, and an open mind can provide you with everything you desire.

Millennials Drive Retail Growth by Making More Major Purchases Than Other Generations

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Spending is up and a surprising generation is driving this financial injection. According to our survey, millennials made more major purchases in the last year and are the generation most likely to make another major purchase in the next six months. Millennials made, on average, nearly four major purchases in the past year, while Gen X and baby boomers combined averaged just 2.8 major purchases during that time.

“Retailers should take notice, as millennial purchasing habits are driving the retail world,” said Mike Rittler, General Manager of Retail Card Services, Personal Lending and Business Development at TD Bank.

While millennials are leading the way in increased spending, growth is happening in other areas, according to the survey. As we compare today’s numbers to 2017:

  • Americans are spending $245 more per major purchase than they did in 2017, averaging a $1,884 price tag on their last major purchase.
  • Nearly seven in ten Americans (69%) say they plan to make a large purchase in the next six months, up 10% from two years ago.

Millennial Shoppers Move the Economic Needle

Although much has been made about millennials not buying homes or saving for the future, they are making more major purchases than any other generation. In fact, they spent slightly more on their last major purchase than both Gen-X and baby boomers.

Millennials are also taking advantage of retail store cards. While the average overall number of retail cards held is about two and a half, millennials hold nearly three cards (2.9). They’re also purchasing more than their older counterparts with these cards. Gen X and baby boomers use retail credit cards 1.8 and 1.3 times per month, respectively, while millennials use their cards 3.1 times per month.

Survey data also indicates that millennials are extremely thoughtful about these major purchases.

  • They spend more time, on average, researching major purchases (4.4 hours) than any other group
  • Millennials are more likely (39%) to research financing options than their elders (22%)
  • Millennials are more likely to research financing in-store (64%) than older generations (44% of Gen-X and 49% of baby boomers)

“The myth that millennials aren’t out there putting money into the economy is just that: a myth,” Rittler said. “Millennials are a discerning and price-conscious set of consumers, and while it may not be easy to earn their business, retailers should take notice. Improve the customer experience, focus on digital sales options and incorporate strategies and programs geared towards engaging with millennial shoppers. Millennials are letting their wallets do the talking and successful retailers will conform to how this segment wants to shop.”

Loyalty Remains the Secret Sauce

Brand loyalty is also the secret to this retail success. Satisfied retail card holders spend more than nonengaged customers, nearly $700 more on average for a major purchase than those without a card.

Additionally, more than half (57%) of Americans are creatures of habit, often picking the same brand when making major purchases. With regard to customer retention, 69% of consumers are members of a retailer loyalty program and cite that cash back and discounts are the most appealing and useful rewards.

“Capturing and retaining engaged customers will continue to be an essential part of retailers’ strategy. As consumer’s shopping habits evolve and the factors that drive customer loyalty change, it’s important that retailers work with partners who will help them analyze data and behaviors to create new programs that cater to their customer bases across generations, preferences and levels of income,” Rittler said.

Survey Methodology
The study was conducted by research company Maru/Matchbox. Respondents were composed of a targeted panel sample of 998 Americans who participate in holiday shopping. A random sample of this size would have a margin of error of +/- 3.1 percent. The data was weighted by age, gender and region to reflect the national population. The online survey was fielded from September 25 to October 1, 2019.

About MARU
Maru/Matchbox is a professional services firm dedicated to improving its clients’ business outcomes. It delivers its services through teams of sector-specific research consultants that have technology in their DNA, specializing in the use of Insight Community and Voice of Market technology. Maru/Matchbox research drives decision-making across all aspects of customer experience, including innovation, product, branding, commercialization and communications.

About TD Bank, America’s Most Convenient Bank® 

TD Bank, America’s Most Convenient Bank, is one of the 10 largest banks in the U.S., providing more than 9 million customers with a full range of retail, small business and commercial banking products and services at more than 1,200 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Bank and its subsidiaries offer customized private banking and wealth management services through TD Wealth®, and vehicle financing and dealer commercial services through TD Auto Finance. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.td.com/us. Find TD Bank on Facebook at www.facebook.com/TDBank and on Twitter at www.twitter.com/TDBank_US.

TD Bank, America’s Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol “TD”. To learn more, visit www.td.com/us.

SOURCE TD Bank

Related Links

http://www.TDBank.com

Social Security proposals highlight challenges of benefit expansions

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We recently constructed a summary of the Social Security proposals of the 2020 presidential candidates.

As part of that process, it seemed interesting to contrast the Social Security Expansion Act, proposed by presidential hopeful Sen. Bernie Sanders (I-VT) and Rep. Peter DeFazio (D-OR), with the Social Security 2100 Act, proposed by Rep. John Larson (D-CT), Sen. Richard Blumenthal (D-CT), and Sen. Chris Van Hollen (D-MD). Both these proposals have been “scored” by the Social Security actuaries.

Read: How does your favorite presidential candidate feel about Social Security?

Remember the problem that needs to be solved. The Social Security actuaries project annual cash flow deficits over the next 75 years. These deficits reflect the combination of rising costs and a constant level of income. The increasing costs are the result of a slow-growing labor force and the retirement of baby boomers, which raises the ratio of retirees to workers. Moving from annual cash flows to a 75-year deficit requires calculating the difference between the present discounted value of scheduled benefits and the present discounted value of future taxes plus the assets in the trust fund. This calculation shows that Social Security’s long-run deficit is projected to equal 2.78% of covered payroll earnings.


Although the Sanders proposal and the Social Security 2100 Act both involve increases in current benefits and recommend additional revenues, they differ markedly in their impact on the trust fund. The 2100 Act more than eliminates the 75-year deficit and has the program in balance in the 75th year, while the Sanders proposal does not close the 75-year deficit and has the program continuing to run large deficits at the end of the projection period (see table below).


On the benefit side, both bills propose an expansion of benefits. They would use the consumer-price index for the Elderly (CPI-E) to adjust benefits for inflation, increase the minimum benefit to 125% of the poverty threshold, and boost benefits generally by changing either the bend point or the percentage of earnings replaced in the first bracket of the benefit formula. The key difference here is that the general benefit increase in the Sanders bill is considerably larger than that in the 2100 Act.

Read: Everyone should be worried about Social Security and 401(k) plans — including the presidential candidates

On the revenue side, both bills would change the current payroll tax cap — albeit somewhat differently. The 2100 Act also raises the payroll tax rate. The Sanders bill broadens the payroll tax base to include investment income for higher-earning filers. Overall, the 2100 Act brings in about 17% more revenue than the Sanders bill over the next 75 years.

The bottom line is that larger benefit increases and smaller additional revenues means that the Sanders bill — unlike the 2100 Act — can solve only a part of the problem.

Chloroform Gas From Your Shower May Cause Dizziness, Headaches, and Sinus Problems

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Chlorine shower filters are important for a number of reasons. It is a well known fact that chemicals can enter your body through your skin. It is believed that people who do not use chlorine filters for shower heads absorb more chemicals than a person drinking gallons of the same water.

The popularity of trans-dermal patches as an efficient delivery system has proven that medications pass easily through the pores of the skin. Chlorine can enter your body through your skin, also. In addition, chlorine and other chemicals are vaporized during a hot shower, so the chemicals are inhaled, as well. It’s really double exposure. Well made chlorine shower filters can prevent these potentially deadly chemicals from harming you at all.

That’s why many experts say that using chlorine filters for shower heads may be even more important than a filter for your kitchen tap. Inhaled chemicals enter the blood stream quicker than ingested ones. So, the negative effects could be felt immediately, depending on the sensitivity of the individual.

Many health benefits can be obtained by the use of chlorine shower filters. Asthmatics have fewer attacks when they are not exposed to chlorine vapor on a daily basis. People in the swimming pool industry have long known that inhalation of chlorine fumes can trigger asthma attacks, especially at indoor pools where the fumes are concentrated due to lack of ventilation.

The concentration in the bathroom is even greater. Plus, depending on where you live, the amount of chlorine in your water can be higher than what you would find in a swimming pool. Only good quality chlorine filters for shower heads can protect you.

Dizziness, frequent headaches, and sinus problems can all be a symptoms of chloroform gas exposure. Chloroform gas is the result of vaporized chlorine interacting with dead skin cells and other biological matter in the bathroom. Basically, you are inhaling chloroform gas every time you take a shower. If you have frequent headaches and you are not using chlorine shower filters, the cause of your headaches could be exposure to chloroform gas.

The FDA has reported that nearly every home in America has a measurable level of chloroform gas. But not homes with chlorine filters for shower heads, because the build-up is believed to be caused by showering in chlorinated water.

The best chlorine shower filters remove 99% of the chlorine from the water, preventing the buildup of chloroform gas and protecting your family’s health. Plus, everyone’s hair and skin will be softer, too.

Holistic Health Practitioner Jobs – Career Explained

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Although holistic practitioner jobs have been around for thousands of years, these alternative medicine professionals have seen a career boom in recent years. Roughly 38 percent of all American adults are currently using some type of complementary or alternative medicine, according to the National Center for Complementary and Alternative Medicine. Holistic health practitioner jobs are now being recognized as viable forms of patient care as people continue seeking alternatives to traditional health care and pharmaceutical medicine.

The belief behind holistic practitioner jobs is that there should be a safer and more natural way to diagnose and treat various ailments, and that the whole emotional, mental, physical and spiritual aspects of a person's health must be addressed. This way of thinking has become much more popular in recent decades. There are holistic health practitioner jobs in acupressure, herbology, nutritional counseling, reflexology, traditional Chinese medicine, yoga and many other fields. Some practitioners focus more on healing the body, while others act more as counselors or teachers who guide individuals on a healthy lifestyle from the inside out.

In order to be a holistic health practitioner, one must have a passion for alternative or complementary medicines. These aren't just jobs; They are part of an entire lifestyle that focuses on greater health and well being. There are schools focused on holistic health that can prepare you for such holistic practitioner jobs as acupuncturist, biofeedback therapist, energy healer, meditation leader, massage therapist, kinesiologist, yoga instructor and many others. You may work in a spa, professional office, private office, from home, or you may go to the clients' homes. There are many options in this promising field.

Now is a great time to get started in one of these careers, as there has been a substantial increase in alternative medicine and holistic health practitioner jobs since 2002. There are also many indicators that the growth will continue through 2016, and it will probably continue after that as well. If you have a passion for holistic living and believe that total health encompasses the emotional, mental, physical and spiritual, this is an ideal career for you.

Institutions offering quality Holistic Health Programs include American Institute of Holistic Theology, Clayton College of Natural Health, New York College of Health Professionals and Spa Tech Institute.

Living on $738 a month: As Boomers hit retirement, Social Security more important than ever

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Karen Chadwick worked for decades as a massage therapist along with some stints as a secretary.

But in all those her years of work, she’s never had a pension plan and accumulated only modest savings. Now that she’s 73, those savings have evaporated and she lives mainly on her $738 monthly Social Security check, supplemented by two or three massages she provides each month.

“I used to do 15 massages a week,” but her hands have stiffened with age, limiting the work she can take on, Chadwick said.

The Kalamazoo resident, who is divorced and has a grown son, makes her budget work by watching every penny. She feels lucky to live in a subsidized apartment complex for seniors. But her car is 24 years old, and when it gives out, she figures she’ll learn to live without it because she can’t afford a replacement.

“It will clip my wings, but I’ll have more money to work with,” Chadwick said about the prospect of being without a car. “My car insurance is $300 every six months, and that seems like a huge amount to squeak out each time.”

“It sounds stupid, but I didn’t plan ahead for retirement” when she was in her 40s and 50s, Chadwick said. “I didn’t think about being an old woman. It just didn’t cross my mind. It was like going to the moon.”

Chadwick is far from alone in her circumstances.

  • 21% of married couples and 45% of single people receiving Social Security retirement benefits rely on the program for at least 90% of their income. The average benefit per individual is currently $1,502 a month or about $18,024 in 2020. For married couples, it’s $2,531 a month or $30,372.
  • 29% of households headed by someone age 55 and older have no pension plan or retirement savings, according to a 2016 report from the federal Government Accountability Office.
  • 15% of Americans age 65 are older are still working, a percentage that is growing.
  • In 2017, less than a third of Americans age 65 or older had pension income from an employer, and that percentage is dropping.
  • Among Americans age 60 to 69, the average 401K balance was $195,000, and the median was $62,000 in 2019, according to Fidelity Investments, the largest holder of defined contribution plans. The average balance for those 70 and older was $182,100 and median was $51,900.

The big takeaway: As Baby Boomers start to retire in big numbers, reliance on Social Security has increased — even as the federal program’s funding has become more tenuous.

“We’re in a period of transition” in how Americans fund their retirement, said John Laitner, a University of Michigan economics professor who also heads U-M’s Retirement Research Center. “In this environment, Social Security is more important than ever.”

The U.S. retirement system has long had three pillars: Social Security, employer-sponsored pensions and individual savings. In past generations, a typical senior citizen was getting a third of his or her income from each of those three sources.

But that system is undergoing a fundamental change, as employers move from defined-benefit pensions, which pay a guaranteed amount each month, to defined-contribution plans, such as 401K and 403(b) plans in which both employers and employees contribute money to a retirement savings account.

The shift to defined-contribution plans “has increased the risks and responsibilities for individuals in planning and managing their retirement,” the federal General Accountability Office said in a 2017 report. “In addition, economic and societal trends—such as increases in debt and health care costs—can impede individuals’ ability to save for retirement.”

(The interactive map above shows the percentage of Michigan households with Social Security income. You can click on a county to see the underlying data.)

“I hope people who have a defined-contribution plan available to them will take advantage of it,” Laitner said. “I’m worried they’re not yet doing it fully enough to replace the old defined-contribution plans that industry used to provide.”

While traditional pensions provide a guaranteed income until death, defined-contribution plans carry the risk that people may outlive their retirement savings.

Chuck Henrich, a financial adviser in Portage, said that for a growing number of his clients, Social Security is their only guaranteed income stream.

Henrich, who runs Southwest Michigan Wealth Management in Portage, estimated only about 25% of his clients have a defined-benefit pension. The majority are reliant on 401K plans or individual retirement accounts to supplement Social Security.

In today’s world, “it’s all encumbent on employees to to take care of their own retirement,” he said.

That’s worked out in recent years because of the robust stock market, he said. But the U.S. economy is overdue for a market downturn, Henrich said.

“The average retirement plan dropped 40% to 50% when the dot.com bubble burst and again in 2008, 2009,” he said. “If people are within five years of retirement, it becomes paramount that they not participate in the next downturn, or they may have to delay retirement for two or three years or more.”

And people who haven’t saved for retirement and lack a pension for retirement are even more vulnerable, he said.

“Those aren’t people who come to my office,” because they don’t have assets to manage, Henrich said.

Still, he sees a number of senior citizens who lack the resources for early retirement and have to stay in the workforce longer than they would like — or who retire and end up taking a part-time job to pay the bills.

Social Security still allows people to draw reduced retirement benefits at age 62, but full retirement age is now 66 for those born from 1943 to 1954 and gradually increases to 67 for those born in 1960 or later. The highest benefits are for those who wait until age 70 to start their Social Security payments.

The difference is significant: Benefits increase by about 8% a year for every year of delay. Someone who qualifies for $12,000 a year in Social Security at age 62 would get $15,600 by waiting until his or her full retirement age and $19,675 by waiting until age 70.

A common misconception about Social Security is that Americans would be better off if they could invest their Social Security contributions on their own, Laitner said.

In some scenarios, that’s true. But, Laitner said, when one considers all the protections that provides, Social Security “looks better and better.”

For instance, Social Security provides survivor benefits to spouses and dependent children when workers die before retirement age and also serves as disability insurance.

Another attractive feature of Social Security compared to private pensions: A stay-at-home wife or spouse with low earnings can get benefits on his or her partner’s work record without reducing the higher earner’s Social Security payments.

In addition, Social Security provides a guaranteed income for life with cost-of-living increases. “A lot of private annuities don’t have inflation protection,” Laitner said.

“Social Security it isn’t the same thing as a stock market investment,” he said. “It shouldn’t be compared with that. … The nature of it is insurance.”

Moreover, while private investments can do better than Social Security when the market is going up, “the market doesn’t always do that,” Laitner said. “People who were retiring in 2010 saw the markets go down 50%, and if they had to retire then, they were in trouble.

“So the thing about Social Security is that it’s a lot more stable and a lot less risky than private investments,” he said. “It’s a sure thing.”

It’s a sure thing for now. But the program’s finances are increasingly problematic. A big reason: Social Security always has been a pay-as-you-go program, in which contributions from current workers are paying the benefits for current retirees. And with Baby Boomers swelling the number of retirees, there are now only 2.8 workers per Social Security beneficiary compared to 3.3 as recently as 2007.

The Social Security Administration estimates Social Security benefits will start to exceed the program’s costs in 2020, and the program will deplete its $2.9 trillion reserve fund in 2035.

So what happens then?

“The system won’t be able to pay the current benefits, unless changes are made,” Laitner said.

Among the potential reforms: Increasing the Social Security tax for employers and employees; raising the retirement age; slowing initial benefit growth, especially for top earners; modifying the cost-of-living increases, and/or raising the ceiling on Social Security contributions. (On the latter, earnings above $137,700 a year are currently not subject to Security Security tax.)

“Social Security is more important than ever for people, so Congress is going to have to get on this and make whatever adjustments are necessary,” Laitner said. “And the earlier they make that change, the easier it will be to accommodate it.”

That said, Laitner said it seems highly likely that even if and when changes are introduced, current beneficiaries will be grandfathered under the old rules.

That means current retirees “are probably going to get the amounts that are statutory now,” he said. “But we need to take care of the solvency issue.”

Christopher O’Leary agrees that lawmakers need to figure out how to put Social Security on sound financial footing, and the sooner the better.

But he also said there’s little chance that the Social Security program will go away in the foreseeable future — it’s just too important.

“People think Social Security won’t be there when they need it, but that’s not true,” O’Leary said. “Social Security affects everybody and it cannot be neglected.”

Among those counting on Social Security is Leslie Reed, a 73-year-old retiree who lives in Portage.

Reed, who is divorced and has two grown daughters, spent more than 30 years as an office worker, most of it with a small family-owned company that didn’t have a pension plan.

She now lives an less than $2,000 a month, with almost 75% of that coming from Social Security and the rest from a 401K account.

It works for now, Reed said. But she worries could outlive her modest nest egg.

“I don’t think about it constantly, but I often do when I’m falling asleep,” she said about her finances. “My hair is thinning like crazy,” and thinks financial stress is a reason.

“I could get wiped out if I get cancer or something,” she said. “I hope nothing happens.”

Reed has been actively hunting for a part-time office job for months to help her finances, but it’s been to no avail so far. “I think it’s my age,” she sighed.

But Reed takes comfort in her Social Security check, saying it’s vital to her finances — a sentiment echoed by Chadwick.

“If it wasn’t for Social Security, I’d be homeless,” Chadwick said. “Homeless, or living in somebody’s basement.”

Future Outlook of Accounting Career

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Jobs for accountants and auditors are expected to grow faster than all occupations in the coming days. The factors that will drive the growth of this career are, increasing businesses, securitization of companies finance, changing and new up-and-coming rules and regulation of financial sector.

The world economy is indicating a prosperous future outlook in accounting related fields. The demand for accounting expertise will increase, and more accountants and auditors will be required to perform the job of books, organize taxes, and give management advice. Amendments in law related to taxes, financial reporting standards, business investments, mergers, and other financial events are indication supporting the idea of creating great numbers of job opportunities and openings. Trends in international business and trade, international mergers and acquisitions will attract youths to choose this career.

Salaries and other remuneration for Accountants

Salaries and other remuneration in this field are matchless. The way the economic activities, development and new career options are emerging in this field, it is already signifying a bright future for would be professionals. Annual wage and salary earnings of accountants and auditors are showing great increase in the previous years.

Personal characteristics

During the training period and on wards a candidate must have the following qualities in his personality:

People who want to be accountants should be good at math, and have good analytical skills. They also should be able to write well, so that they can tell others about their findings. Honesty, freedom of thoughts, untired hardworking, mental abilities, decision-making skills, academic qualities, ability to analyze problems, interpersonal skill, desire to progress, extraordinary skill in accounting, wide-ranging knowledge of business, spirit of enquiry, self-confidence, logical mind, painting true picture of the facts, economical use of resources, etc.

Nature of work in Accounting Firms and Companies

Accountants and auditors work in offices. They generally work a standard 40-hour week, but some work 50 hours a week or more. Tax accountants often work long hours during the tax season, from January to April. Accountants working for the government and public companies travel to audit other companies or branches of their own company. Most of the chartered accountants work staying in the office while auditing work required going to the client office therefore out of office duties are also a part of the profession. In case of local client, traveling may be required inter-cities while clients having international nature of business demands traveling abroad. The atmosphere in the chartered accounting firms is quite clean, peaceful and professional.

The Greater Responsibility Of Retailing

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The past few years have seen increasing emphasis by marketers to pinpoint and serve the differences— some striking, some nuanced— that define generations, their consumption habits and their shopping preferences.

Much has been made about the growing influence of younger generations, first Millennials and now Gen Z, in directing product development, marketing and merchandising that address social and personal causes beyond basic, practical needs.

Personal Values

If findings from a recent survey by shopping rewards app developer Shopkick provide a reliable forecast, 2020 might become a future-solidifying year for retailers, especially brick-and-mortar operators, that successfully have implemented and promoted programs that score high on the consumer consciousness meter.

Shopkick in December surveyed more than 16,000 consumers across the country to gain insights into 2020 mall shopping activity. The shopping rewards app looked at purchasing behavior, the use of mobile devices in stores, brand loyalty and more.

Seventy-three percent of consumers across generations plan to shop more frequently in 2020 at retailers that align with their core values, with 64% planning to spend more money at those retailers, according to the Shopkick survey.

The results, broken out by generation, might surprise you. Despite popular sentiment that recent generations are the most likely to vote their conscience when shopping, more Baby Boomers (75%) than members of younger generations plan to shop more frequently at retailers that align with their core values. Next up is Gen X (72%), followed by Millennials (70%) and Gen Z (68%).

It also might surprise many that 64% of Gen Zers, often presumed to be less brand-devoted than their elders, report a sense of brand loyalty, compared to 47% of Boomers.

Physical Interaction

It’s important to look at these results in the context of another primary conclusion of the Shopkick survey: Physical product interaction still weighs heavily in purchasing decisions. A strong majority (82%) of consumers surveyed said seeing, holding or demonstrating products in stores makes them more inclined to purchase those products in the stores. Moreover, Boomers and Gen Zers plan to do most of their 2020 shopping in physical retailers (67% and 61%, respectively), followed by Gen X (59%) and Millennials (57%).

Conscientious Decisions

The Shopkick survey findings reinforce that consumption and shopping grounded in personal values is not solely the domain of younger generations that have led the charge for a more responsible retail marketplace.

Such principled decision-making is becoming universal.

It is a sincere motivator, not something to be marginalized or implemented gratuitously in store strategies.

Retailers, indeed, have a greater responsibility to every generation in this new era of conscientious consumerism.

Become a Counselor

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Always Wanted to Become a Counselor?

Professionals in the field of family counseling help families with emotional issues to provide guidance, support and education. A family counselor will help all family members understand the core of their issues and communicate more effectively with one another to resolve them. These professionals have a passion for helping troubled families become a healthy unit once again.

Online Degrees for Counselors

To obtain a counseling license in most states, family counselors must receive a master's degree in social work and pass a state exam. To maintain a license, professionals must have a certain amount of clinical experience and continuing education.

Counselor Training

Experience in fields related to family counseling can be obtained early in the process and may include:

Community youth programs or summer camps

Group therapy sessions

Crisis intervention or counseling

Positions in family counseling will continue to increase. As the value of family counselors continues to be recognized, more professionals will add family counselors to their organizations.

Always Wanted to Become a Family Counselor?

Professionals in the field of family counseling help families with emotional issues to provide guidance, support and education. They help all family members understand the core of their issues and communicate more effectively with one another to resolve them. These professionals have a passion for helping troubled families become a healthy unit once again.

Online Degrees for Family Counselors

To obtain a counseling license in most states, counselors must receive a master's degree in social work and pass a state exam. To maintain a license, professionals must have a certain amount of clinical experience and continuing education.

Fam. Counselor Training

Experience in fields related to family counseling can be obtained early in the process and may include:

Community youth programs or summer camps

Group therapy sessions

Crisis intervention or counseling

Positions in family counseling will continue to increase. As the value of counselors continues to be recognized, more professionals will add family counselors to their organizations.

Always Wanted to Become a Guidance Counselor?

Guidance counselors work directly with students to offer career counseling and educational support. Guidance counselors can be found at all levels of schooling, although their responsibilities may fluctuate slightly depending on the ages of the students they work with.

Online Degrees for Guidance Counselors

All states require guidance counselors to be licensed in a counseling field and hold a master's degree. Guidance counselors working in public schools may also need teaching certification. Some states require specific teaching experience before guidance counselors can be certified.

Guidance Counselor Training

A passion for children is the first requirement of a guidance counselor, but some of the following skills can also prove beneficial:

Sensitivity to the needs of others

Ability to demonstrate patience and empathy

Effective communication skills

Active listening skills

Employment for guidance counselors is expected to grow at a faster-than-average rate over the next 10 years. The US Bureau of Labor and Statistics cites that about half of the counselors employed today work as educational, vocational or school counselors.

Health Insurers Level More Blows To Medicare For All

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Democratic Presidential Candidates Participate In Presidential Primary Debate In Des Moines, Iowa

Health insurance companies are already reporting unprecedented growth in signing up seniors to their Medicare plans for 2020, which is bad news for certain Democrats pushing single payer versions of “Medicare for All.”

The nation’s largest health insurer, UnitedHealth Group, last week reported its best growth ever for enrollment in individual Medicare Advantage, the private coverage sold by health plans via contracts with the federal government. UnitedHealth’s UnitedHealthcare health insurance unit was the first of the big health insurers to report quarterly earnings and updated 2020 projections for what is expected to be a record year of growth for Medicare Advantage. Other insurers including the Aetna unit of CVS Health, Anthem, Cigna and Humana will be reporting their quarterly earnings in the next two months.

“Within our Medicare Advantage offerings including dual eligible growth, we expect to serve nearly 700,000 more people in 2020,” UnitedHealth Group chief executive David Wichmann told analysts on the company’s fourth quarter earnings call last week.

Wichmann described the most recent open enrollment period, which ended in early December for seniors to choose their Medicare health and drug coverage for 2020, as UnitedHealth’s “strongest ever” for individual Medicare Advantage.

UnitedHealth’s record Medicare Advantage enrollment comes as most Democrats running for their party’s nomination for the Presidency back off a single payer version of Medicare for All that would uproot the private insurance industry. And that would in effect end a Medicare Advantage program that has already signed up more than one in three Medicare eligible seniors and growing.

But more seniors signing up for private Medicare Advantage means it will be politically harder for it to be taken away and replaced with a government-run single-payer version of Medicare for All pushed most notably by Sen. Bernie Sanders of Vermont.

Sanders continues to push single payer Medicare and last week during a debate in Des Moines reiterated that his plan has no copayments or deductibles. Meanwhile, Democrats that include former Vice President Joe Biden and most others still in the race are touting an effort to build on existing coverage under the Affordable Care Act. Sen. Elizabeth Warren, historically a supporter of Sanders plan, has backed off moving all Americans to a government-run healthcare system in favor of first bolstering the ACA and introducing a public option.

As more baby boomers turn 65 and become eligible for Medicare, insurers and the federal government are seeing more of them sign up for private Medicare Advantage than the government-run traditional fee-for-service Medicare.

This year, Medicare Advantage plans are offering more supplement health benefits under new rules established by the Centers for Medicare & Medicaid Services, which has seen  a record number of health plans selling coverage that offers seniors the same benefits as traditional Medicare plus extras like preventative care and outpatient healthcare services.

“We are bullish obviously overall on the outlook for both Medicare Advantage, but also the dual special needs marketplace as well,” UnitedHealth’s Wichmann said. “They are both very larger today and growing in markets. MA is clearly outperforming fee-for-service in terms of overall benefit coverages and the quality of outcomes and the returns that people are getting in terms of their overall satisfaction and so no surprise that it is performing as well and seems to be gaining some momentum.”

The lack of momentum for a single payer version of Medicare for All among Democrats vying to challenge President Donald Trump should Republicans re-nominate him to run for a second term isn’t lost on health plans signing up seniors to Medicare Advantage.

The health insurance industry and its supporters say Medicare Advantage is more about “modernizing” Medicare with the help of the private sector and seniors are increasingly recognizing the difference.

“Despite the lower costs, better outcomes, and high satisfaction that defines Medicare Advantage, some would argue for policies that threaten the success of Medicare Advantage and turn back the clock on innovative care models that enable seniors to live healthier lives,” Allyson Schwartz, a former Democratic Congresswoman and president and CEO of Better Medicare Alliance wrote in an opinion column in the Jan. 7th issue of the journal Health Affairs.

“From my time leading a women’s health center, to my work as Commissioner of Health and Human Services in Philadelphia, to my service in Congress crafting health policy on the Ways and Means Committee, to my role today, I believe health care is a basic human right,” Schwartz wrote. “As we seek to address Americans’ very real concerns, we should fix what is broken in our health care system, while strengthening that which works to ensure coverage and quality at a cost we can all afford.”

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Health insurance companies are already reporting unprecedented growth in signing up seniors to their Medicare plans for 2020, which is bad news for certain Democrats pushing single payer versions of “Medicare for All.”

The nation’s largest health insurer, UnitedHealth Group, last week reported its best growth ever for enrollment in individual Medicare Advantage, the private coverage sold by health plans via contracts with the federal government. UnitedHealth’s UnitedHealthcare health insurance unit was the first of the big health insurers to report quarterly earnings and updated 2020 projections for what is expected to be a record year of growth for Medicare Advantage. Other insurers including the Aetna unit of CVS Health, Anthem, Cigna and Humana will be reporting their quarterly earnings in the next two months.

“Within our Medicare Advantage offerings including dual eligible growth, we expect to serve nearly 700,000 more people in 2020,” UnitedHealth Group chief executive David Wichmann told analysts on the company’s fourth quarter earnings call last week.

Wichmann described the most recent open enrollment period, which ended in early December for seniors to choose their Medicare health and drug coverage for 2020, as UnitedHealth’s “strongest ever” for individual Medicare Advantage.

UnitedHealth’s record Medicare Advantage enrollment comes as most Democrats running for their party’s nomination for the Presidency back off a single payer version of Medicare for All that would uproot the private insurance industry. And that would in effect end a Medicare Advantage program that has already signed up more than one in three Medicare eligible seniors and growing.

But more seniors signing up for private Medicare Advantage means it will be politically harder for it to be taken away and replaced with a government-run single-payer version of Medicare for All pushed most notably by Sen. Bernie Sanders of Vermont.

Sanders continues to push single payer Medicare and last week during a debate in Des Moines reiterated that his plan has no copayments or deductibles. Meanwhile, Democrats that include former Vice President Joe Biden and most others still in the race are touting an effort to build on existing coverage under the Affordable Care Act. Sen. Elizabeth Warren, historically a supporter of Sanders plan, has backed off moving all Americans to a government-run healthcare system in favor of first bolstering the ACA and introducing a public option.

As more baby boomers turn 65 and become eligible for Medicare, insurers and the federal government are seeing more of them sign up for private Medicare Advantage than the government-run traditional fee-for-service Medicare.

This year, Medicare Advantage plans are offering more supplement health benefits under new rules established by the Centers for Medicare & Medicaid Services, which has seen  a record number of health plans selling coverage that offers seniors the same benefits as traditional Medicare plus extras like preventative care and outpatient healthcare services.

“We are bullish obviously overall on the outlook for both Medicare Advantage, but also the dual special needs marketplace as well,” UnitedHealth’s Wichmann said. “They are both very larger today and growing in markets. MA is clearly outperforming fee-for-service in terms of overall benefit coverages and the quality of outcomes and the returns that people are getting in terms of their overall satisfaction and so no surprise that it is performing as well and seems to be gaining some momentum.”

The lack of momentum for a single payer version of Medicare for All among Democrats vying to challenge President Donald Trump should Republicans re-nominate him to run for a second term isn’t lost on health plans signing up seniors to Medicare Advantage.

The health insurance industry and its supporters say Medicare Advantage is more about “modernizing” Medicare with the help of the private sector and seniors are increasingly recognizing the difference.

“Despite the lower costs, better outcomes, and high satisfaction that defines Medicare Advantage, some would argue for policies that threaten the success of Medicare Advantage and turn back the clock on innovative care models that enable seniors to live healthier lives,” Allyson Schwartz, a former Democratic Congresswoman and president and CEO of Better Medicare Alliance wrote in an opinion column in the Jan. 7th issue of the journal Health Affairs.

“From my time leading a women’s health center, to my work as Commissioner of Health and Human Services in Philadelphia, to my service in Congress crafting health policy on the Ways and Means Committee, to my role today, I believe health care is a basic human right,” Schwartz wrote. “As we seek to address Americans’ very real concerns, we should fix what is broken in our health care system, while strengthening that which works to ensure coverage and quality at a cost we can all afford.”