Long term and short term disability

Share to Twitter Share to Linkedin The recent turmoil with Twitter has prompted many online disabled people to think more deeply about what they really need and want from social media platforms. Anxiety and debate over the direction of Twitter under Elon Musk’s ownership is affecting nearly every corner of Twitter, and of all online communities. Users and business partners wonder about Musk’s ability to manage the company and the application itself with a drastically reduced staff pushed to its limits. And many inside and outside Twitter’s user base worry about whether Musk's purported “free speech absolutist” approach will make Twitter even more toxic than it has sometimes been in the past. Will Twitter become a liberating bastion of free expression? Or, as a recent Vox.com article suggests it might, will it devolve into "an even more intense cesspool of negative content than it already is?” This is an even more of a concern for marginalized groups that are … [Read more...] about 5 Things People With Disabilities Look For In Social Media

Leasing a car has long been a popular option for people who want a new vehicle but can’t afford to purchase one outright. However, new data released in October 2022 shows that the car leasing market has seen a significant decline in the post-Covid period. This decline is likely to have both short- and long-term consequences. In the short term, it may drive up prices for leasing a vehicle, and this price is already increasing. Over the next ten years, it will also mean that fewer used vehicles will be available, further driving up purchase prices and financing costs as well. Car leasing is an important part of the automotive market, and has become a popular option for car buyers who want access to new vehicles without purchasing a depreciating asset . New data released in October 2022 shows that the car leasing market has seen a significant decline in the post-Covid period. In the short term, this may make leasing more expensive. In the long term, it might make buying … [Read more...] about Decline In Car Leasing Could Drive Up Used Car Prices and Financing Costs

Share to Twitter Share to Linkedin From supply shortages to the war in Ukraine, surging energy prices, and the midterm elections, the top news stories in 2022 have been rife with issues impacting your wallet. While inflation has stolen the spotlight for much of the year, the job market remains surprisingly strong, and the stock market appears poised for recovery, following the best October on record. Below we look at five of the top headlines impacting consumers and investors in 2022. 1. Inflation remains stubbornly high The September Consumer Price Index (CPI) rose 0.4% month-over-month, well above the 0.2% that was expected for a year-over-year number of 8.2%, down slightly from August’s 8.3%. Meanwhile, core CPI (ex-food and energy) soared a huge 0.6% from August versus the 0.4% expected. The year-over-year increase was a fresh 40-year high of 6.7%, up from 6.3% in August. That gave the Federal Reserve (Fed) plenty of room to continue its aggressive … [Read more...] about 5 Economic Headlines Impacting Your Finances In 2022 And How You Can Prepare For The Year Ahead

Share to Twitter Share to Linkedin Series I Savings Bonds, or simply “I-Bonds”, have been in the news quite a bit lately with eye-catching rates. Consumers have been earning absolutely paltry rates on savings products like high-yield savings accounts , money market accounts, and certificates of deposit (CDs) for years, yet things are starting to look up. Thanks to the Fed's moves to hike interest rates to help with rising inflation, it's not uncommon to see savings accounts earning northward of 4% right now, and the same is true for other no-risk or low-risk financial products. That said, there's another type of savings vehicle that has been growing in popularity over the last few years. With Series I Savings Bonds, you could be earning well over double the top rate you would be earning with a savings account. Not surprisingly though, there's a catch. How Do I-Bonds Work? Series I Savings Bonds are government-backed bonds that help consumers … [Read more...] about Series I Savings Bonds: What You Should Know About This Popular Investment

Share to Twitter Share to Linkedin Augmented reality in retail. bigstockphoto.com Any application of AR or VR in retail needs to fit into the customer shopping journey. Every customer goes through some manifestation of that journey, from awareness to exploration, to selection and purchase, and even post-purchase service and advocacy. Sometimes those steps are long, drawn-out, and iterative, and sometimes consumers employ shortcuts, like when they use brand awareness and trust to focus on “their” brand of product. Long or short, it’s still a journey, and retailers’ jobs are to support those journeys when and where they might happen. Thus, it’s most helpful to think of AR and VR for retail in terms of where they fit within the shopper journey. So far, that means four distinct opportunities. Low-end Engagement: What’s the best way to explore products or categories? AR is the go-to engagement method of choice when it comes to product and … [Read more...] about The Four Definitive Use Cases For AR And VR In Retail

Share to Twitter Share to Linkedin November is Native American Heritage Month , and a great time to fill in the many gaps most Americans have when learning about Indigenous history and supporting Indigenous dreams for the future. Indigenous Peoples' stories in the US and globally are much richer and much grimmer than most of us have been exposed to. In learning the history, one thing is clear: the west has taken an incalculable mass of wealth from the Americas and its peoples. We can right this wrong by returning land to its historic stewards. It’s not only the right thing to do, but Indigenous land stewardship has significant proven benefits to people, the economy, and the planet. Through invasion and conquest, over 90% of the land in North America was forcibly taken and then sold as the shared resources of the Americas were divided up amongst colonial powers . It’s often taught that the Natives didn’t have a concept of land ownership when Europeans first … [Read more...] about Supporting The #Landback Movement This Indigenous Heritage Month Can Help Mend The Planet

Share to Twitter Share to Linkedin Hirsh Goswamy, Vice President of Marketing at Livionex Inc. & Fellow at OnDeck. Customer acquisition—the use of lead generation tactics to convert prospects into paying customers—is often a primary focus of a business's marketers and C-suite executives. In fact, survey data indicates that 44% of businesses prioritize customer acquisition, while only 16% of respondents mention retention as a key focus. Why is this the case? Well, during the inception of a business, there are zero customers, so there are zero customers to retain. Initial marketing efforts must be directed toward acquiring new customers to increase revenue, establish product-market fit and indicate growth potential. However, this can lead to problems if customer acquisition, rather than retention, remains the sole driver of revenue as a business scales. Why Marketers Should Care About Retention Simply put, customer retention is when … [Read more...] about For Marketers, Focusing On Both Customer Acquisition And Retention Is Vital

Share to Twitter Share to Linkedin On Saturday, Katie Zelem will lead out Manchester United Women at Old Trafford for the third time in front of an expected crowd of 30,000 people knowing any victory in which they score twice against Aston Villa will put them, at least temporarily, top of the Women's Super League. Following a dramatic last-minute win away to the previously unbeaten league leaders Arsenal a fortnight ago, Manchester United lie third in the league table, level with Arsenal and behind champions Chelsea, who have played an extra game. With the men's season currently on hold due to the ongoing World Cup in Qatar, the stage is set for the women's game to take center stage at Old Trafford, the biggest club ground in England. Any game at Old Trafford will have special significance for Zelem, a local girl, born in the city, and the captian who led the team out in their two previous matches at the stadium against West Ham United in 2021 and Everton … [Read more...] about Manchester United’s Katie Zelem Out To ‘Prove A Point’ At Old Trafford

- A + A KUALA LUMPUR (Dec 1): MSM Malaysia Holdings Bhd has on Thursday (Dec 1) announced the appointment of Dr Mazatul ‘Aini Shahar Abdul Malek Shahar as the company’s new chief financial officer (CFO), replacing Ab Aziz Ismail. Ab Aziz, 55, has held the CFO position since June 2019, after he served as deputy CFO for a month from April 2019. Prior to holding the CFO position at MSM, Mazatul ‘Aini, 50, was an independent non-executive director at 7-Eleven Malaysia Holdings Bhd and TH Heavy Engineering Bhd, and an audit committee member for both companies. Currently, she is an independent non-executive director of IJN Holdings Sdn Bhd, said MSM. “Dr Aini has 26 years of hands-on experience in Islamic banking and finance, fundraising, transformation management, corporate finance and advisory works,” the sugar refiner said in a Bursa Malaysia filing. “She was with Aseambankers Malaysia Bhd, Bank Pembangunan Malaysia Bhd and Bank Muamalat Malaysia Bhd. She began … [Read more...] about Loss-making MSM appoints new CFO

Share to Twitter Share to Linkedin The beauty of social media for small businesses is that, used correctly and wielded carefully, it really can be a competitive tool in getting your fair share of local customers and revenue. You don’t need a big marketing budget or a large agency. You do need to know how to utilize social media and the potential tools to your advantage. To gain more insights, I reached out to Tom Keiser, the CEO of Hootsuite and the current owner and CEO of Stuckey’s , Stephanie Stuckey. Her current revival of this long-time small business brand echoes the continued rise of small businesses in the USA. According to research by the drop shipping company Oberlo , in 2022 the number of small businesses in the United States (US) reached 33.2 million. The increase in the number of small businesses in the US in 2022 is representative of the sustained growth as it marks a 2.2 percent increase from the previous year and an overall growth of 12.2 … [Read more...] about Hootsuite CEO And Stuckey’s Owner Provide Insights On How Social Media Marketing Can Help Small Businesses Compete Successfully