Day: June 9, 2020

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Just how Well Do We Understand Social Security?

Just how Well Do We Understand Social Security?

The Social Security is moneyed by the pay-roll tax obligation paid by hardworking American residents. 6.2% is secured of their salaries as well as a matching 6.2% matching payments of companies over all made up the social safety and security payments. Payments quit after the initial 90k of earnings is gotten to per participant.
The optimal Social Security situation is in which the payments are a lot greater than the quantity of advantages to be offered. As well as any type of excess fund after paying all advantages is positioned right into a Trust Fund. The Trust Fund is after that spent in Treasury Bonds because the regulation needs it.
The United States Government might make use of the cash however needs to spend for it later on. Throughout the year 2003 the management headed by Pres. Bush has actually gathered a shortage of $536 billion in which the $156 billion excess of Social Security was utilized. The issue currently is that the management is drawing away all concerns far from the fund they obtained and also is entirely overlooking the entire problem by informing the American individuals that privatization is the only point that can conserve Social Security out of its economic dilemma.
They are likewise stating that if not privatize, the Social Security will certainly have to reduce on some of the future advantages. As well as what takes place currently is that the federal government takes on the fund, invest it as well as after that fail to remember all concerning it which is not excellent given that it impacts the advantages to be gotten by social safety participants.
There should certainly appertain allowances of funds indicating that the fund for Social Security Benefits must not be utilized for battle and also tax obligation cuts. And also if ever before, it is made use of after that the management needs to be liable sufficient in returning the cash they have actually obtained. Its not theirs to begin with, it’s for the American individuals that have actually striven in order to save money on for their future.

The Social Security is moneyed by the pay-roll tax obligation paid by hardworking American people. The issue currently is that the management is drawing away all concerns away from the fund they obtained and also is totally ignoring the entire concern by informing the American individuals that privatization is the only point that can conserve Social Security out of its economic dilemma.
And also what takes place currently is that the federal government takes on the fund, invest it and also after that neglect all regarding it which is not excellent given that it impacts the advantages to be gotten by social protection participants.
There ought to be appropriate allotments of funds suggesting that the fund for Social Security Benefits ought to not be utilized for battle as well as tax obligation cuts.

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Hamilton calls for worldwide removal of statues of slave owners

Reigning Formula One champion Lewis Hamilton has called on governments across the world to copy the example of the protesters who tore down a statue of slave trader Edward Colston in Bristol at the weekend.

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8 Best Companies for Closed Captioning Jobs from Home

People who want to work from home search for typing jobs most of the time.

But there are some jobs that are somewhat similar to typing jobs like closed captioning jobs.

Today I am listing companies that hire for captioning jobs to work from home. Some of these companies might not be hiring right now, but please do check the websites for open positions.

Wondering what closed captioning is?  Please read on.

 

What is Closed Captioning?

Closed Captioning is when you transcribe videos, interviews, or any kind of digital content. In simple terms, when you watch a news broadcast or a movie, you can see the subtitles, that’s closed captioning. Closed captioning is mainly intended for hearing impaired, but many industries hire closed captioners.

There are mainly two types of closed captioning:

Live or Real-time closed captioning – This is the captioning job you do when you transcribe live events. Live or Real-time closed captioning is a very demanding position where you need a high typing speed and accuracy. Due to high demand, real-time captioners earn more than offline captioners. Real-time captioners often require prior certifications or study background to get started in this career.

Offline closed captioning – You do this captioning job for videos or events that are not live like movies, interviews, or any recorded events. Offline closed captioning also requires you to have good accuracy and typing speed. This type of captioning job is more suitable for people who are total beginners in this industry.

 

Related:

14 Websites Offering Online Translation Jobs
8 WAH Transcription Companies hiring Worldwide

 

What are the skills that you require for closed captioning jobs?

Though you don’t need a specific qualification for a closed captioning job, you should be well acquainted with the role. It would help if you had high-level typing and accuracy with excellent command on English.

There are certification programs like CRC (Certified Real-time Captioner) on the NCRA website that can give you the starting break into real-time captioning.

For any closed captioning job, you need to have basic working equipment like a working computer, a high-speed internet, captioning software, and a foot pedal.

 

How much do closed captioning jobs pay?

Although it depends on the type of captioning you are doing, and the experience, the average pay for a closed captioner is around $13 per hour, according to Glassdoor.

List of companies hiring for closed captioning jobs from home:

 

Rev

Rev hires freelance captioners for captioning videos, movies, interviews, etc. You need to take a grammar test and submit a caption sample to start working with this company. The working hours are flexible, and you can choose your work.

I have seen many people commenting that the caption test is pretty tough, and you need to prepare ahead to pass it. The pay is $0.40 to $0.75 per video minute, and average earnings per month are around $240.

Read our Rev review here.

 

Captionmax

CaptionMax hires work-from-home real-time captioners. Because of the type of captioning involved, there is a requirement of A.A. or B.S. in Real-time Closed Captioning, Judicial Reporting, or satisfactory completion of other 2-year equivalent programs.

They also require a relevant certification from NCRA or equivalent.

 

Aberdeen

Aberdeen company regularly hires for real-time broadcast captioners. The requirements are having a minimum typing speed of 180-220 wpm and prior experience in the captioning.

Once you apply online, you need to take a real-time caption test before you get hired.

 

VITAC

This company has been around for a long time in the captioning industry and hires remote real-time captioners. The job requirements are a writing speed of 225 wpm and prior experience as a captioner with relevant certification.

If you are through with your application, there is a paid on-site training period, after which you can work remotely.

 

CaptioningStar

This company hires freelance real-time captioners. Previous experience in the captioning industry is a must to apply for this role. You can apply online on the website for this position.

 

CaptionLabs

CaptionLabs are always looking for experienced real-time and offline captioners, though only real-time positions are fully remote. The job is a freelance position that requires a minimum writing speed of 180–220 wpm. Most of the captioning videos will be religious, so some knowledge of religious terminology is desired.

You can check all the current openings here.

 

Dotsub

Dotsub is another company that hires freelance captioners. It’s not clear whether it is looking for real-time or offline captioners, but you can fill the form here for the company to consider you for the position.

If you meet the requirements, the recruitment team will contact you with potential projects.

 

U.S. Captioning Company

U.S. Captioning Company hires broadcast captioners regularly. As per the website, it pays higher with weekend shifts and emergency hours. You can submit an online form with your resume for the company to consider you for the role.

 

FlexJobs

If you are searching for captioning jobs, then try legit job boards like FlexJobs.

FlexJobs is one of the most popular job boards for finding flexible jobs in every industry. You can find more than 50 categories of jobs, including real-time and offline closed captioning jobs.

You can use the code AFFILPROMO to get 30% off the subscription plans. For the value you get on this job board, it’s definitely worth signing up.

 

Other alternatives for closed captioning jobs

If you don’t think captioning jobs are your thing, then try the below options to work from home that are related to the basic skills of typing and having good English language skills.

Proofreading

Do you have a keen eye for detail and excellent command over the English language? Then try proofreading. Proofreading is a very flexible and booming career that lets you work from home. Check out these proofreading jobs and a free workshop to see if you are cut out for home-based proofreading business.

 

Transcription

Transcription is the closest career choice to captioning. It has three streams, legal, medical, and general transcription. It does take some training to get into this field. It’s the most popular choice for people looking to work from home.

If this is something you are looking for, then take this FREE COURSE to find out everything about transcription and how much it pays.

 

As the entertainment industry grows, captioning jobs are becoming more popular. With more and more freelance captioning job opportunities, it’s easy to break into this industry even if you are a beginner.

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Tips For Learning About The Stock Market

Tips For Learning About The Stock Market

There are many methods to start learning more about the securities market. With simply a little bit of study, it ends up being clear that there is tons of day readily available on finding out about the stock exchange.

Possibly the very first area to go when finding out regarding the supply market is the Internet. The supply market is possibly one of the largest subjects on the Internet. Of training course, when finding out regarding the supply market, you desire to be particular that all of the details you are collecting is practically appropriate.

To aid ensure that the points you are discovering regarding the supply market are proper, go to well-known websites, like ones funded by the New York Stock Exchange as well as NASDAQ. Some of the info they supply will certainly aid you in discovering regarding the supply market.

If you do not desire to invest cash getting publications on discovering regarding the supply market, document the titles of the bestsellers and also make a see to your regional collection. There will possibly be plenty much more titles on discovering regarding the supply market than the ones you brought with you.

When discovering concerning the supply market as well, be certain to inspect the social networking websites. You will certainly locate a great deal of details concerning the securities market and also individual money at locations like YouTube, Facebook, as well as Twitter.

Whether you are finding out about the stock exchange as a college job or since you believe that you could be thinking about spending, you will certainly discover lots of valuable details is readily available. The securities market mores than 2 a century old as well as individuals have actually been taping details concerning it because it started.

When discovering concerning the supply market is a supply market time line, one of the points you could discover handy. There are a selection of these plan readily available. They have an on-going document of one of the most essential occasions in the background of the stock exchange considering that it started to existing day.

It would possibly be an excellent suggestion to tighten your search, also originally, to ensure that you do not come to be also swamped with info. When learning more about the securities market, you might intend to approach it one topic each time based upon what details most rate of interests you or what details you require to establish.

Whatever your factor, I make certain that you will certainly locate learning more about the stock exchange to be a tough and also satisfying job.

Possibly the initial location to go when finding out regarding the supply market is the Internet. Of program, when finding out regarding the supply market, you desire to be specific that all of the details you are collecting is practically appropriate. To aid assure that the points you are discovering regarding the supply market are right, go to well-known websites, like ones funded by the New York Stock Exchange as well as NASDAQ. Some of the info they offer will certainly aid you in finding out concerning the supply market.

One of the points you could locate practical when discovering regarding the supply market is a supply market time line.

The post Tips For Learning About The Stock Market appeared first on ROI Credit Builders.

Top 2 Eldersburg News Websites To Follow in 2020 (City in Maryland)

Top 2 Eldersburg News Websites
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1. Patch » Eldersburg

Eldersburg, Maryland, United States About Website The best breaking news, stories, and events from the Patch network of local news sites. Local news and events from Eldersburg, MD brought to you by Patch. Frequency 4 posts / day Website patch.com/maryland/eldersburg
Facebook fans 2.6K ⋅ Twitter followers 784 ⋅ Domain Authority 90 ⋅ Alexa Rank 228 View Latest Posts Get Email Contact

2. CBS Baltimore » Eldersburg

CBS Baltimore » Eldersburg Baltimore, Maryland, United States About Website Get Eldersburg News, Sports, Weather, Traffic and the Best of Baltimore from CBS Baltimore. Frequency 2 posts / quarter Website baltimore.cbslocal.com/tag/e..
Facebook fans 366.4K ⋅ Twitter followers 254.7K ⋅ Social Engagement 255 ⋅ Domain Authority 92 ⋅ Alexa Rank 1.7K View Latest Posts Get Email Contact

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10 Yoga Mom Youtube Channels To Follow in 2020

Top 10 Yoga Mom Youtube Channels

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Yoga Mom Youtube Channels

BananaBlondie108

United States About Youtuber I’m a yoga obsessed, fruit loving mom of two, sharing my passion for my practice and my whole foods plant-based vegan lifestyle. I’m a certified yoga instructor and have been practicing for 18 years.
Frequency 7 videos / quarter
Since Sep 2014
Channel youtube.com/channel/UCfff.. View Latest Videos Get Email Contact

Dhivyam Yoga

Dhivyam Yoga Chennai, Tamil Nadu, India About Youtuber Welcome to my channel Dhivyam Yoga. I’m a full-time mom. I always wanted to do something for myself and finally decided to learn yoga to play with peace, body, and mind. I have completed a 500hrs Hatha Yoga course fro Asana Andiappan College of Yoga, Anna Nagar, Chennai, India. Watch this space for more videos on Yoga.
Frequency 1 video / month
Since Jan 2015
Channel youtube.com/channel/UCoDp.. View Latest Videos Get Email Contact

Yoga Mom Kimberly

Yoga Mom Kimberly United States About Youtuber Get the latest videos on yoga from Yoga Mom Kimberly.
Frequency 1 video / week
Since Nov 2018
Channel youtube.com/channel/UC9Xb.. View Latest Videos Get Email Contact

NEW MOM YOGA

NEW MOM YOGA About Youtuber Follow this channel to get the latest videos from NEW MOM YOGA.
Frequency 3 videos / quarter
Since Aug 2017
Channel youtube.com/channel/UCi7u.. View Latest Videos Get Email Contact

EleLotus Yoga

EleLotus Yoga About Youtuber Hi! I’m Amy and I’ve been teaching yoga for over a decade now. I specialize in free-flow vinyasa, restorative yin yoga, mom and tot yoga, kids yoga, family yoga, and trauma-sensitive yoga. This will be your go-to yoga channel for quick yoga videos that you can squeeze into the busiest of days, including ones that you can do with kids!
Frequency 2 videos / quarter
Since Apr 2015
Channel youtube.com/channel/UCYNf.. View Latest Videos Get Email Contact

Fit Yoga Mom

Fit Yoga Mom About Youtuber Follow this channel to get the latest videos on Kids Workout, Yoga for Stress & Anxiety, and Yoga for Kids.
Frequency 3 videos / quarter
Since Mar 2020
Channel youtube.com/channel/UCHEa.. View Latest Videos Get Email Contact

The Yoga Mom

The Yoga Mom Canada About Youtuber Follow this channel to get the latest videos on Yoga mom.
Frequency 3 videos / month
Since Sep 2017
Channel youtube.com/channel/UC18G.. View Latest Videos Get Email Contact

Yoga Mom

Yoga Mom About Youtuber Get the latest videos on hot yoga workout, splits stretch, yoga full-body stretch, yoga workout, and more.
Frequency 4 videos / quarter
Since Jan 2019
Channel youtube.com/channel/UCEMi.. View Latest Videos Get Email Contact

Yoga MOM

Yoga MOM About Youtuber Experience the magic of the mat. Follow this channel to get the latest videos on yoga.
Frequency 4 videos / quarter
Since Apr 2020
Channel youtube.com/channel/UC-Uy.. View Latest Videos Get Email Contact

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5 Most Common Mistakes Business Owners Make in a Recession

Mistakes happen.  When under pressure, even more mistakes happen.  If business owners have ever been under pressure, it’s now.  COVID-19 has thrown the economy for a loop, and business owners can’t makes heads or tails of it.  Before you do anything else, take a look at the relief options available, including the Paycheck Protection Plan.  Then, consider these common mistakes business owners make in a recession, and how to avoid them.

Avoid these Common Mistakes Business Owners Make in a Recession to Make it out of the Recession Twilight Zone

A recession can be a hugely stressful time.  Not only can finances be in shambles, but the stress can take a toll on many other things as well.  During a recession it can seem that all is lost, but avoiding these common mistakes business owners make in a recession could help.  It certainly won’t hurt.

Imagine you wake up tomorrow in the twilight zone, and it lands you right in the middle of recession land.  You may be feeling the effects of the recession even now. Here is what not to do if you want to survive. Avoid these mistakes, and your business could just make it out alive.

Common Mistakes Business Owners Make in a Recession: Moving Too Fast

While you definitely have to spend money to make money, it is necessary to be a little more careful during a recession.  Spend money cautiously and only when the payoff is certain to avoid this and other common mistakes business owners make in a recession.  That’s not to say that you can’t ever take a risk, but definitely don’t do it too quickly.

For example, if you have the opportunity to purchase inventory at a cut rate, it may seem the best idea is to purchase as much as you can.  After all, if you sell it at the same price as before, you will still make a larger profit because the cost to you was less.

This is one of the common mistakes business owners make in a recession, because it makes sense when you are not in a recession.  However, with people having less disposable income to spend, it is possible that that inventory will not move. Then, you are stuck with inventory you cannot sell, and a lot of it.

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

The Better Option

Considering the financial hard times, take a minute to evaluate things.  Why is there a cut rate on the inventory? Is the wholesale provider is having a hard time moving it?  If that is the case, you may have the same problem. Pay attention to your customers and your current inventory.  Do you see any downward trends?

There a few options here that may be more beneficial.  First, consider not stocking up on the inventory at the reduced rate.  Maybe buy a little more than normal, but focus instead on the option the reduced rate gives you to lower your own prices.

The better decision is to evaluate how the recession is affecting the industry and the markets around you.  Then, make decisions about how much of the discount inventory to purchase based on that. From there, you can make a plan for how to make the most of the discount.  

That may mean that you have a sale offering the cheaper inventory at a price below what your competitors are offering.  Another option is to purchase enough to lower prices for the duration of the recession.

The only way to make these decisions however, is to have thorough market research.  That may cost money as well, but it is a much better use of the funds than wasted inventory.  It will take time, but the slowdown will definitely be worth it.

Common Mistakes Business Owners Make in a Recession: Failing to Plan

One of the most important parts of running a business is planning for the unexpected.  This includes planning for a recession. That is one of the most common mistakes business owners make in a recession.  They panic, and either forget their plan, or they realize they never had a plan.

The first way to avoid this mistake is, obviously, to make a plan.  If you have a plan, now is the time to put it into action. Don’t panic.  Take stock of your expenses and revenue. Adjust expenses accordingly as much as possible.

Keep a watch on the market to see how your particular industry is responding to the recession.  Use what you learn to tweak your plan as necessary. The point is, if there is a plan, use it. If not, it’s never too late to avoid this one of the most common mistakes business owners make in a recession.  Make a plan and put it into action.

Not Having Fail Safe

You always need a safety net.  Unfortunately, one of the common mistakes business owners make in a recession is not realizing this until they are in the middle of a recession.  Technically, that is the mistake made before the recession.

The “in recession” mistake is actually not trying to do something about it.  If you catch the problem soon enough, you may be able to take action. What type of “fail safe” do you need?

Credit Card

A credit card that is open can help you float until you find a more permanent fix for whatever woes the recession is causing you.

Line of CreditCommon Mistakes Business Owners Make in a Recession Credit Suite2

A line of credit works similar to a credit card in that it is a revolving line of credit, but it does not carry the same types of interest rates and terms that a credit card does.

Whether you get a credit card or a line of credit, it is important to remember to use it only to get you over a hump.  It has to be paid back, and you need to be sure you can do that. These are tools that could be useful if you have customers that cannot pay invoices, or if you need to take advantage of a special deal like in the example above.  

However, if you find you are continually using these “safety nets” to simply run the day to day operations of your business, you need to do more. You are going to have to find the leak and shore it up.

What if…?

There are a few other options if you have already waited too long.  For example, you can consider factoring your invoices. This will allow you to access cash immediately, often without a credit check.  Also, you do not have to worry about paying the money back, as your lender will collect the payments on the invoices directly.

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

Be aware however, they will purchase them at a premium.  You will not get the full value of the invoices, but if you need the cash fast, it may be worth it.

Another option is a merchant cash advance.  If you accept credit card payments, a lender may advance you funds based on your average daily credit card sales.  Then, they collect repayment from those future sales, typically daily.

Common Mistakes Business Owners Make in a Recession: Trying to Take on Too Much

It is easy during a recession to try to save money by cutting staff.  While there may be a time for this, one common mistake business owners make in a recession is trying to save money by doing everything themselves.  

That just is not always the answer.  If you are trying to do the day to day operations as well as the bookkeeping, cleaning, advertising, and even purchasing yourself, you are going to burn out.  Not only that, but things are going to start slipping through the cracks. Bills will be missed. Orders will not get entered. Invoices will not get sent.

These things are just as detrimental to a business as paying employees you cannot afford.  What is the better option? The first thing is to not let go of a bunch of employees out of panic.  Slowly and carefully evaluate each job. Do you have any positions that can be combined? If so, do you have employees capable of accomplishing the tasks of both positions?  

Better Options

Is it possible to cut one position, split it between two others, and raise the pay of the other two but by less than what the cut position was making?  No one likes to let go of good employees at all, but taking the time to evaluate all of the options is much better for everyone than a massive axing party.

Additionally, consider which jobs can be outsourced.  Outsourcing can save money because you do not have the additional payroll costs that go along with an employee.  Janitorial services, bookkeeping, and social media marketing can all lend themselves well to outsourcing depending on the situation.

Common Mistakes Business Owners Make in a Recession: Thinking You Can Do It All

Another of the common mistakes business owners make in a recession is not playing to their strengths.  This is similar to taking on too much, but for different reasons. While it may seem like you are saving money by not paying someone else to do certain things, it can definitely cost money to do things that you are not good at.  

We all have certain strengths, and not knowing yours can be a money drain. If you are not good with the books, don’t try to do them.  A mistake in that area can be very costly. If you are not great at managing people, assign that task to a trusted employee. Know your strengths and your weaknesses, and delegate tasks accordingly.

Do not let the fact that you are operating in a recession cause you to try do work in areas where you are weak in an effort to save money.  It won’t work, and during a recession it could cause even more damage than it would otherwise.

Cutting Prices Too Soon or Too Much

When things start to look scary, it is almost a reflex reaction to cut prices. The idea is that If you offer a better deal, more people will do business with you.

This isn’t always the case. If your products are not at a price the market supports, it might work. Otherwise, you may see an increase at first, but long term it isn’t going to be a good thing.

People are willing to pay for a quality product. If you are struggling, it is best to figure out what they are buying instead of what you have for them. It could be the demand just isn’t there.

In a recession it is quite likely that people just do not have the disposable income necessary to purchase your product or service. In fact, it is even more likely than not.  The answer then is not necessarily as easy as a price cut.

A price cut could work, if you can maintain quality.  A better option is to be flexible and figure out what they are able to spend money on.  For example, if you specialize in premium quality boutique clothing, consider adding inventory that is not as expensive.  Call it something that sounds catchy, like “economy boutique,” and you just may have something that will get you through the recession.

In the restaurant business, consider offering specials at reduced rates to make what you have a better deal for customer that they can better afford.

Forgetting How Much Quality Counts

Truly you get what you pay for, and a hugely common mistake business owners make in a recession is that they forget that.  This rings true in all aspects of business from inventory to supplies, and even employees.

There is a fine line between saving money and sabotaging yourself.  You cannot purchase lower quality inventory, charge the same, and expect that profit increase to hold.  Word will spread. You can’t pay less than the competition and expect your employees to be top notch.

Keep in mind that for you and your customers, quality counts, always.  You get what you pay for, and your customers expect to get what they pay for.

Common Mistakes Business Owners Make in a Recession: It’s Never too Late to Build Business Credit

If you don’t already have established business credit, that can go a long way toward helping your business through a recession as well. Incorporate your business and get an EIN from the IRS.  Make sure your business has a different address and phone number from your own, and sign up for a DUNS number from Dun & Bradstreet.

Once these things are done, check into doing business with starter vendors.  These vendors, such as Uline, Quill, and Grainger will offer invoices with net terms. They do this without checking your credit score, and they will report your payments to the business credit reporting agencies.  

Hit the jackpot and weather any recession with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

In this way, you can begin to build business credit even during a recession.  If you make your payments on time, you can continue to build it by applying for credit from the retail credit tier, the fleet credit tier, and the cash credit tier.  Then, if you need funding to help get you through the recession, you will have it. It takes time, but it’s never too late to start.

Avoid these Common Mistakes Business Owners Make in a Recession and Keep Your Business Going Strong

Of course, there are no guarantees the recession won’t pull you under, but there are things you can do to make it less likely.  If you are careful to not make these common mistakes business owners make in a recession, and pay attention to what is going on around you, your business just may have a fighting chance of making it out of the recession twilight zone intact.

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Relief Spreads to Risky European Bank Bonds