Tips on Getting Employment Opportunities as a Disabled Person

Since the 1970s, the United States Federal Government has been vocal on the inclusion of people with disabilities in the active workforce. It is currently one of the major requirements for all government institutions, as well as the private institutions. Currently, the required percentage of people with disabilities in the workforce is 7%. It is impressive to notice that all major government agencies are in line with this constitutional requirement. It is, however, a relatively low number and both the private and public entities ought to work together to raise this number. There are, however, many opportunities for people living with disabilities. Medicare, for example, has been consistent with providing people with disability equal opportunities.

The scope of Medicare

Although Medicare is primarily a program aimed at people who are in their 60s, it has clauses that allow people younger than that to be part of it. First, it is essential to understand what the scope of this entity is. It is a health care program which previously was for senior citizens. Currently, it also accommodates people living with disabilities, especially the productive generation. Although this program has a key target group, it is also accommodative to other people living with disabilities. Medicare disability is leveling the ground for thousands of people with disabilities.

Where can a disabled person get an employment opportunity?

There are tons of opportunities for people living with disabilities around the world. In all these opportunities, it all depends on one’s qualification and interests. The corporate world is fast becoming an equal employer, and this development is essential for the realization of a better and fair working world. In addition to the available opportunities, it is important to appreciate the fact that the corporate world is keen on investing in systems to assist people living with disabilities. Some of these opportunities include the following specific areas.

Customer care representative

The world of customer care representation has been one of the critical areas where people living with disabilities are welcomed. In all major companies in the world, it is interesting to note that people living with disabilities are not only making these companies achieve more but also increase their sales. In one of the recent studies, some major companies have more than 40% of people living with disabilities in their overall customer care representative base. These impressive numbers cement the corporate world determination in making this field ready to accommodate differently-abled individuals.

It is important to note that this specific field has its challenges. It has one of the highest expectations of an individual. With people living with disabilities thriving in this field, it speaks a lot about their determination in challenging social beliefs, which they have successfully flourished.

The financial world

The financial world has many opportunities for people living with disabilities. In this particular field, one can be an accountant, a consultant, or any other position they have a passion for and are qualified to handle. The most important aspect of this particular niche is that there are few movements. The primary requirement is to have a critical mind and a better understanding of trends.

In this particular career path, the person living with a disability interacts with a lot of financial statements, auditors, and auditor reports. In addition to these important reports, they are required to provide solutions to any of the challenges presented. It is important for them to have a better understanding of different software. The financial world is one of the areas with unlimited possibilities, especially for people living with disabilities. The pay is excellent and it is, therefore, a great career path to follow.

Digital art scene

The digital art scene is one of the main areas where differently-abled people can make a career. The most important aspect about the digital art scene is that it is ever growing. The more talent an artist has, the better. This job space does not have a lot of movement, and it is, therefore, friendlier to many people. The most important aspect in the digital art scene is that whatever level one is, there are always opportunities.

Most of the states have legislated on the rights of people living with disabilities in workplaces. The world where equal employment is not just an aspiration is soon becoming a reality.

The Top 3 Pros and Cons to Using a Credit Card to Pay Off Debt

Some people use their credit card balance to pay off debts. This has many pros and cons. Through Loanable financial solutions, you may avoid using credit card balance to pay off debts. But we are going to review some of the pros and cons of using the credit card. We will also review alternative methods to pay off debts. Debt management is good as it helps you clear existing loans and helps you to avoid taking more debts in future. Knowing the various options you have towards clearing loans and any other debts may help you to achieve financial freedom

Here are the top 3 pros to using a credit card to pay off debt:

  1. Improve credit rating

To qualify for loans and financial help from most lenders, your credit rating is considered. Using a credit card to shop regularly and ensuring that the credit card bill is paid on time will help you to increase your credit score.  Most organizations use the credit score to determine interest rate when you apply for a loan, rent deposit and generally your creditworthiness. Paying off debts with your credit card helps you get rid of bad debts, therefore, enhancing your creditworthiness.

  1. Avoid accrual of debt charges

If you use your credit card to pay off debts, you may avoid charges due to non-payment of the debt or late payment. With a credit card, you have up to forty-five days in some cases to repay the amount already spent. This makes it a good debt management tool.

  1. Savings

Every time you use your credit card you get rewards. Different companies have a form of reward to their loyal customers. If you pay debts using the credit card, you still get the rewards. These are forms of savings and if you use your credit card more, you also access more points and hence more rewards.

Cons of using a credit card to pay debts

  1. Destroy credit rating

Because of ease of spending, it may eventually destroy your credit rating when you fail to pay. You should use other methods to pay debts so as to avoid reducing your credit rating score. It is advisable to use alternative methods to pay debts to avoid compounding the debt problem.

  1. Interest

If not paid on time, you will be charged interest. If you are struggling to pay off debts, you may still find it hard to pay the credit card dues on time. This may end up increasing your debt in the long run.

  1. Increased debt

Since you already know you have a credit card that can help you clear monthly debt installments, you may not feel the need to look for additional sources of income. Due to ease of spending, a credit card may also get you into even more bigger debts. You should, therefore, avoid using it as much as possible. It’s best reserved for emergencies.

Before you decide to use a credit card to pay off debts, ensure that you have also reviewed other sources of finances. You may easily identify affordable loans with better repayment terms and conditions and avoid the risk of getting into more high-interest debts.

Winning Over Customers

Have you noticed a definite dip in your sales? Has the total number of likes, clicks, and shares for your content begun to decline? If so, there is no need to panic just yet. You may simply be dealing with the effects of a recession that is negatively impacting all sectors of business. However, if you are noticing an increased amount of dead weight on your email list, this is a whole other kind of problem. This is the kind of issue that demands an immediate response on your part.

There may be any number of reasons why people aren’t responding to your email marketing messages. If you don’t want to have to scrub them off your business list, you need to find out what is causing the disconnect. It may be that your inventory has simply gotten too limited or hasn’t been updated in some time. Many people may be bored with the things you have for sale. A quick survey email may reveal this to be the answer, provided enough people take the time to respond to it.

Whatever the reason for this lack of response may be, you need to find out if you can work around it. It’s a good idea to make a list of customers who seem to have gone cold. Once you have the names, why not send out a reminder email letting them know you are still in business? If you get a few bites, it may be that a large number of people simply forgot about you. A quick reminder may coax a number of people back to your site.

Maintaining a healthy sales list should be your chief concern. Getting a response from people you haven’t heard from in a while is the first step in regaining them as loyal customers. Your efforts should be focused on doing whatever you need to do to rekindle their interest in your business. A series of reminder emails is a great way to get them thinking about you once more.

At the end of the day, a number of sales leads are prone to go cold. It’s an annoyance, but there is little you can do about it. Your best move is to do all in your power to salvage what you can. Beyond that, it may well be time to look for new sales leads to beef up your existing business list. This is an initiative that will take some time and effort to properly pull off. You may need to call on the expert services of a professional provider of sales leads to get your business list back up to full strength.

If you really want to give your business list a shot in the arm, you can buy a whole new list of sales leads from You may not have the time, patience, or energy to build a whole new list by yourself. Thanks to, you don’t have to. This is the company that specializes in giving business owners huge lists of raw sales leads that are worth their weight in gold. Just take the time to qualify the leads and you will soon have a whole new generation of loyal, long-term customers to profit from.

Show Me the Money: 10 Tips for Improving Retail Profit Margins

Is there a huge gap between your store’s gross and net profits? Discover 10 ways you can improve your profit margins through these best practices.

The retail industry is one of the toughest in the American economy. There is no average profit margin for this diverse industry. Even the biggest players post net profits of just two or three percent.

Some people are discouraged by these numbers. You see a challenge. You find yourself asking what you can do to improve your profit margins.

As it turns out, you have plenty of options when it comes to boosting your margins. We’ve rounded up ten of the top tips to help you bulk up your margins and drive your retail business to success.

1. Raising Prices Raises Profit Margins

This is the most obvious tip on the list, yet it’s one retailers tend to avoid. You might think raising prices will scare your customers off or keep them from buying more.

That’s why you need to be smart about price increases. Crunch the numbers and see if you can determine a pricing “sweet spot” for your clientele. Don’t forget to factor in your costs, as well as external factors like competition.

Finally, think about the customers you want to attract. Are you sure you want to sell to those who would jump ship because they had to pay 50 cents more?

The long and short of it is a higher price translates to a higher profit margin. Raising your price is the surest way to increase your margins.

2. Improve Your Brand Profile

If you’re concerned about raising your prices, you might want to consider your brand profile for a moment. Who are you to your customers?

If you’re the discount option, then raising your prices might not be a smart move. If your customers see your store as a luxury experience, they have different ideas about what you do.

If you don’t have a solid brand identity yet, it’s time to put some thought and effort into creating one. Focus on your customer service or the brands you carry to communicate a clear identity.

3. Streamline Your Operations for Better Margins

When retailers ask how to maximize profit, they do tend to focus on pricing strategies. You’ll come out ahead if you ask about your own operations instead.

The formula for how to find a profit margin requires subtracting your overheads. Everything you do, from staffing your store to turning on the lights, adds to those expenses.

By streamlining your operations, you can reduce your overhead expenses. Reduce overtime when possible. Make sure any solution you adopt is delivering high value for your business.

4. Improve Your Displays and Avoid Markdowns

The number one reason merchandise doesn’t move is because of the way it’s displayed. Customers may not be able to find the product if it’s tucked away in a corner of a crowded shop. They may not even want to spend time in your shop if it feels too crowded.

Better displays improve the visibility of your merchandise. They can also entice customers to stay and browse longer.

If you have several store locations, merchandise compliance is important for improving displays. It also enhances your brand image. If each store displays merchandise the same way, you’ll improve the customer experience.

5. Be Smarter about Your Own Purchasing Practices

The final price you charge for any item in your store reflects the price you paid for it, plus any extra costs. Those additional costs might include shipping, as well as your overhead expenses.

When you’re purchasing products for your store, be sure to factor in those costs. This will help you arrive at the total cost. Then you can apply your markup.

Once you’ve arrived at this price, ask yourself if you’d pay that price. If not, it’s time to see if you can negotiate a better price from the supplier.

6. Work with Your Suppliers

If you’re wondering how to increase the profit margin for your store, you might want to look to your suppliers. Are you working with them to negotiate the best prices?

There are several things retailers can do to improve the prices they receive. One thing is to negotiate discounts with suppliers. Another is to increase your order quantity to receive bulk discounts.

Finally, be smart about who you buy from. If a supplier doesn’t deliver good customer service or quality products, cut them from your list.

7. Increase the Value of Your Customers

Did you know it costs six times more to get a new customer than to keep one of your existing customers? Existing customers also tend to increase in value over time. They often make repeat purchases, and the value of their purchases increases.

You can increase your profit margins by upselling and cross-selling to existing customers. Another way to increase their value to you is to have them act as brand ambassadors. Ask them to give referrals or review your store online to help generate more leads.

8. Use Discounts Wisely

For any product in your store, you’ve likely asked yourself, “What is a good profit margin?” You’ve factored in all your overhead costs, and you’ve discovered what you think is a good margin for the product.

For that reason, many retailers don’t like to use discounts. If you can avoid using them, that’s one way to keep your profit margins high.

Sometimes, you’ll have to put a product on sale or offer customers a discount for loyalty. If you have to use discounts to incentivize purchases, make sure you do it wisely. Try to personalize offers to increase the chances people will cash in on them.

9. Focus on What’s Already Profitable

It makes sense to focus on existing customers because they’re already profitable. Potential new customers are more of a gamble. They might be worth a lot, or they might only drive up your costs.

The same is true of products and even sales channels. If you’re known for a particular product, focus your efforts on promoting that product. If most of your customers find you on social media, then focus your marketing efforts there.

10. Discover Your Optimal Inventory Levels

Once again, you’ll want to look at your operations and seek ways to streamline them. Maintaining optimal inventory levels is one good way to improve your profit margins.

If you don’t have enough inventory on hand, you could miss sales. If you stock too much merchandise, you might end up reducing the price to get rid of it. Maintaining inventory comes with its own overhead costs, such as the cost of storage.

Crunch the numbers and discover optimal inventory levels with data analysis. This will help you make sure you meet every sale, but also minimize your costs.

Get Ready to Grow Your Retail Business

These ten tips can help you improve profit margins for your retail business. With higher profits, your business can continue to grow and expand.

If you’re looking for more tips on growing businesses or making money, be sure to check out the blog. We have plenty of tips to help you find success.

Why Options Trading Is the Real Key to Wealth Creation

Options are less risky while offering a greater chance of higher returns. Here’s why options trading is an important route to financial security.

Contrary to common assumptions, options trading can be safer than regular stock trading, and much, much more rewarding.

If options trading isn’t already a part of your personal finance and wealth management strategy, this article ought to get you excited about it

We’ll talk about how options work, including the risks and benefits, and show you why options trading is the real key to wealth creation.

The Hidden Risk of Traditional Investing

Traders who only use long-term stock trading and mutual funds in their investment plan are missing a key component of wealth creation: time.

Let’s assume you’ve given yourself 20 years to build a $5 million net worth. That’s about 7,300 days, and you need to make every one of them count.

Now, let’s assume you have $20,000 tied up in a stock. The stock is bringing in a 6% or 7% return every year. Not bad.

But each year your $20,000.00 is making only 6% or 7% is another year you can’t use options trading to make %20 or 30% (or more) using that same $20,000.

Did you know that 2 out of 5 workers believe they won’t be retiring until they’re 70? Maybe it’s because they don’t take this “time cost” into account.

How Options Trading Solves The Time Cost Problem

Let’s assume you’re looking at a $40 stock called “ABC.” You expect it to go up, so you buy 100 shares, investing a total of $4,000.

If it goes up to $50 in the next 60 days, your $4,000 grows to $5,000, for a 25% return and a $1,000 profit. Not bad.

But, let’s assume you’d bought 20 call option contracts on that same stock. If you buy 90-day options, this might cost you the same $4,000 (this cost is called your “premium”).

But if the stock goes up to $50 within 60 days, your 20 call option contracts could be worth $20,000.

That’s a 500% return on investment, compared to a 25% return on investment over the same time period.

How Options Trading Works

When you buy an options contract, you’re buying the right to buy (or sell) the underlying stock at a set price (strike price) within a specific time period (expiration date).

For example, let’s assume ABC stock is selling for $40 and you buy a 90-day call with a $45 strike price. You’ve literally bought a contract which allows you to buy 100 shares of ABC any time within the next 90 days, and at the price of $45.

Now, imagine if ABC goes from $40 to $50 in the first 60 days of your options contract. You now own a contract which allows you to buy a $50 stock for only $45 any time within the remaining 30 days.  This makes your call contract more valuable than it was when you bought it.

Now, you simply close the position by selling your call contract at a higher price than what you bought it for.

Of course, the risk is that ABC stock will either go down or remain under $45 until the 90 days of your contract is up. In this case, your contract will only allow you to buy the stock at $42 or even $39.

If the 90 days end and the stock price remains in this range, your contract expires worthless and you lose your $4,000 premium. Thankfully, you can use options trading to reduce this risk and increase your odds of winning.

Why Options Trading is Safer Than You Think

We just talked about a “call,” contract, which gives you the right to buy 100 shares of the underlying stock at your strike price.

However, you can also buy a “put” contract, which gives you the right to sell 100 shares of the underlying stock at the strike price. This way, your options contract becomes more valuable if the underlying stock price goes down.

By combining calls and puts, you can create a lower-risk options trading strategy.  For example, let’s assume you pay a $4,000 premium to buy 20 calls on ABC stock, which is selling for $40.  Your call contract period is 90 days, and your strike price is $45.

You pay another $4,000 to buy 20 put contracts with a $35 strike price and a 90 day expiration period. Now you’re in for $8,000 premium instead of a $4,000. But, you also have two scenarios where you can make money:

  • SCENARIO #1: ABC stock rises from $40 to $50. You net $20,000 from your 20 call contracts. After subtracting your $8,000 premium, you have $12,000 in profit.
  • SCENARIO #2: ABC stock falls from $40 to $30. You net $20,000 from your 20 put contracts. After subtracting your $8,000 premium, you have $12,000 in profit.

Notice that this strategy makes money whether the stock price goes up or down. Your only risk is that the stock will hover between your $45 call strike price and your $35 put strike price for the entire 90 days.

This would make both of your contracts worthless, and you’d lose your $8,000 premium.  But here’s why this shouldn’t scare you.

The Secret to Smart Options Trading: Probability

Successful options trading isn’t about winning all the time. It’s not even about winning most of the time. It’s about leveraging probability. This is why every options trader needs a smart trading plan.

Imagine having a coin that lands on heads 50% of the time. Every time it lands on heads, you make $12,000. Every time it lands on tails, you lose $8,000.

Flip that coin 100 times, and you’ll have a net $80,000. Flip it 1,000 times, and you’ll have a net $800,000. This is the mathematical power of probability. Again, it’s not about winning most of the time. It’s about leverage.

The beauty of options trading is that the wins are big enough to make up for the losses, and then some. So, if you can win even half the time, you’ll still do very, very well.

Ready to Start Options Trading the Smart Way?

By now, you know that you can create multiple scenarios where you can make money trading options. But we’ve just scraped the surface.

We haven’t talked about covered calls, binary options, advanced spreads or the power of selling calls and puts instead of buying them.

Imagine if you can could an options trading plan that wins even 60% of the time, or 70%. That’s why options trading needs to be a part of your investing and wealth management strategy.

If you’re ready to leverage the power of options trading, or discover more interesting ways to make money and build wealth, you’re in the right place.   

Just visit our blog for more articles on personal finance, investing, wealth creation and how to make money online.


Guest Blogging – Give Your Brand The Visibility And Authority It Deserves?

A complete digital marketing strategy is like an umbrella that comprises several other strategies. Social media and email marketing come to mind but there is one more crucial activity that can bring in very important traffic and compliment the other strategies. This is guest blogging.

Nowadays, many small and mid-sized businesses and solo-run firms are utilizing guest blogging as a way to reach out to a target audience that is already established. Contributing content to popular industry-related platforms will give your brand visibility.

The more recognizable the brand, the better it is in the long run. There are many ways you can get started with a guest blog. You can also use an experts’ help. The experts at SEOJet will be able to help you with the right solutions. If you want to get off the blocks fast, check out this page- Here are some tips to get the best results out of your guest blogging endeavors.

Understanding Your Audience

This is a tip that is often repeated but rightly so. Understanding your audience might seem simple if you want to stick to high-level demographics but once you dig deeper you will be able to see the connections.

Knowing your audience does not only help you reach the desired target demographic, but it also offers you hints on how to style your content. You may write the best blog out there, but if it is not reaching the target you have in mind, your effort goes to waste.

Concentrate On Quality Platforms

The initial temptation of reaching out to multiple websites might be there but with guest blogging, it is all about creating a consistent tone and a good reputation as the industry expert. This is why quality trumps quantity. It is better that you guest blog for one significant website that has a large loyal following rather than multiple smaller sites that may not cater to the audience you want completely.

Research your websites well. Do they promote good content? How is the layout? Don’t end up writing for a site with tacky design and unsafe protocols – such an association will bring your brand value down.

You can even get deeper into the analytics. There are tools available that will help you gauge a website’s trust score and following before you want to guest post. The ideal way to start your guest blogging adventure would be to publish on the best site in your segment.

Make The Right Pitch

The pitching part can be a little intimidating. There you are, staring at your ‘compose email’ pane, reaching out to the giant of your industry. The best way to do it is to keep it crisp and formal. The subject line should describe the topic of your email – you want to submit a guest blog – and add the proposed topic too.

If you already have the article, you can attach it in the email or you can give a rough outline in the body, clearly explaining the context. Don’t forget to introduce yourself in the email. Add enough relevant information – just a name is not enough.

Essential Elements In Your Guest Post

Yes, the guest post is a subtle way to link your website to a popular platform but you should not focus on that too much. The theme or topic of your blog is what will make or break this attempt to gain traffic. As a guest poster, you are an authority of a particular niche. So you need to avoid generic topics (within your industry segment) and stick to one solution or scenario.

Images are very important. If you can come up with high-quality stock photos to represent your ideas, that is an added bonus. Make sure you are communicating with the host about images – they may have certain parameters that you have to adhere to.

If you are representing yourself don’t forget to share a nice headshot picture and a small author biography. Guest blogging is a good way to get some social media attention so make sure that you share your Facebook and Twitter handles (and anything else).

Don’t Ignore SEO Basics

It may dismay you that your style will be curbed but you cannot ignore search engine realities if you want your blog post to attain a good rank. Basic tips include the judicious use of header tags and content that is spread in short, concise paragraphs.  If the theme is instructional, bullet points and even representational infographics will enrich your blog and please the SEO crawlers.

There is much more to guest blogging but if you can start with the above recommendations, you will be on a desirable path. Use your knowledge to the fullest and share it with the rest of your audience. You will enjoy the benefits as your visibility increases.

Earn Yourself an Early Christmas Present: 5 Stocks to Buy Now

Bolster your portfolio and check out the stocks to buy now that offer a huge upside potential.

Another calendar year is upon us which means millions of people will begin the annual ritual of creating New Year’s resolutions.

One of the most popular resolutions is to make more money. Whether it’s through promotions at work or investments in the market, everyone wants to put add to their personal bottom line. Of course, one of our favorite ways to make money is to invest wisely in stocks.

But what stocks should you purchase? What stocks are going to be profitable in 2019 and beyond?

Read on, as we reveal our five favorite stocks to buy now. These are stocks with a focus on long-term growth for 2019 and for the foreseeable future.

1. Amazon (AMZN)

Our favorite set-it-and-forget-it stock is Amazon. This should come as a shock to no one as the stock has been a popular choice for investors for years.

Our enthusiasm for Amazon is well justified. The company is what Warren Buffett calls a “wide-moat,” which means it has it’s involved in numerous products and services that figure to be profitable for years.  

Amazon’s AWS cloud business earns over $1 billion annually.  Even better, Amazon Prime has 100 million subscribers paying $99 every year.  The $9.9 billion in subscription revenue is impressive, but what really matters is how much these consumers spend purchasing other Amazon products.  Statistics reveal these loyal consumers spend more on the site than they did before subscribing to Prime.

The company is led by an innovative CEO, Jeff Bezos, who positions them for continued success for the long haul.

2. CorVel (CRVL)

CorVel has a lot going for it.  The Irvine, California based company has an immense market, as they help companies control the costs of their insurance and workers compensation.

The financials are attractive too with improved revenue at a rate of 10% a year for the past decade.  And the company earned an impressive 24% on stockholders’ equity last year.

3.  Starbucks Corporation (SBUX)

You might think Starbucks has already experienced max-growth with a store seemingly on every corner.

But consider this: Starbucks is still largely under-developed in many countries. Currently, the largest grown is in the China/Asia Pacific region.  In China, for example, Starbucks opened 278 new stores between July and September this year.

Hedge fund icon Bill Ackman believes so strongly in Starbucks growth in 2019 he invested $900 million in the company in October.

4. Alibaba (BABA)

The future of the Alibaba stock price has been a hot topic in 2018.  In June, the China-based company’s stock rose to an all-time company high of $210 per share.

Since then, the company announced CEO Jack Ma is stepping down.  This comes as stocks in Chinese companies have taken a hit due to pressure from the US/China trade war.

Still, Alibaba is poised for fantastic revenue growth.  Already a $400 market cap company, the company projects final year revenue growth of 58%.  And analysts predict 40% growth in earnings in 2019, making the stock an excellent value buy.

5. Berkshire-Hathaway (BRK.B, BRK.B)

Berkshire-Hathaway has been a mainstay on top stock lists for decades.  It’s leader, Warren Buffett, turns profits like no other.

But the big concern with investors is how long Buffett, age 88, will help the company.  Surely, Buffett will step away in the not-too-distant future and many fear his departure could spell the end of the company’s long and successful run.

However, those who trade stocks for a living know the best way to value a company is to examine the current value of their future cash flows. Investors can remain confident in Berkshire-Hathaway whose future cash flow appears to be significant.

What’s more, Berkshire-Hathaway is structured similar to a mutual fund, with a diverse group of holdings but without the management fees.

Stocks to Buy Now: Wrapping It Up

You don’t have to wait until January to invest wisely.  These five companies are excellent stocks to buy now for 2019 growth and beyond.

Everyone’s financial situation is unique.  Analyze these investments carefully to determine if they are wise fits for your portfolio.

If you enjoyed this article, please check out more of our helpful investment content.