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Who is More Accident Prone – Men or Women?

accident Statistics Canada, Canada’s national statistics agency, released a report on work injuries [PDF] a while back. There were a few things we found interesting. While four percent of all workers experienced some sort of work place injury over the past year, only two percent of the women had. So guys got hurt disproportionately to gals.

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You might hypothesize that perhaps men perform riskier tasks, on average, than women. However, the research showed that men have a higher rate of injury across all job categories.

Can women work harder?

Another point of interest was that, compared to men working less than 35 hours a week, men who work eighty hours a week or more were twice as likely to get injured. Men were forty percent more likely to get hurt if they worked between 45 and 79 hours.

It makes sense, doesn’t it? The more someone works, the more tired they are and the more likely they are to harm themselves somehow. Sounds good, except that it didn’t hold true for women. There was no noticeable difference among women based on the number of hours worked.

Women who worked more than one job experienced more injuries than women who only had one job. There was no difference for men. Finally, we found one in the men’s favor!

Why do we work so much?

Seriously, though, we see that whether we look at hours worked or number of jobs, there is evidence to show that chance of harm increases.

So we wonder: Why do we work so many hours? Why do we need more than one job? In many cases, it’s because of money issues. Might we be better off looking at our budget? Would we better served by adjusting our lifestyles? Then we might not have to work so much and we might not get hurt as much.

More hours. More jobs. Still a lack of money. No extra time. More stress. All of these come into play together.

Speaking of play

Here’s another thing we found very interesting in this report. Only 28% of all “activity-limiting injuries” occurred at work. Now think about that. We spend about half of our waking hours at work, if not more. Yet nearly three-fourths of the accidents that keep us from working happen in our personal lives. What in the world are we doing at home?

The study says that most accidents that occur at work are hand injuries and lower back strain. We don’t know what the accidents are away from work. Are we straining ourselves too much at home?

Maybe instead of a “honey do” list, we should start a “honey don’t” list! 

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Check in next time as we discuss how your estimates of future costs should affect your current decisions. Until then, here’s to your bigg success!

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Is Convenience Busting Your Budget?

I Need a Day Off

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Is Convenience Busting Your Budget?

time-money The good people at CareerBuilder recently posted the results of a survey of workers. Forty-seven percent of the people surveyed said they “always” or “usually” live paycheck to paycheck.

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Does more money help?

One way to stop living paycheck to paycheck is to make more money. Forty-two percent said an additional $500 each month would help make ends meet.  Fourteen percent already work more than one job.

The amount of money that comes into a household does make a difference, but not as much as you might think. Twenty-one percent with salaries of $100,000 or more said they also live from payday to payday.

We’re working ourselves to death instead of thinking about the other solution to the more month than money problem. We need to look at our lifestyle. We’re so busy trying to make more money to support our lifestyle that we end up spending money we wouldn’t need to spend if we just slowed down and honestly assessed our situation.

Convenience expenses

We’re so busy that we spend more money on “convenience expenses”. We define convenience expenses as the premium we pay for goods and services because we don’t have time.

So we end up in a downward spiral – we work more to have more, but then we
spend more and we don’t have any time to figure out how to do anything differently.

One example of a convenience expense is that we eat out more than we plan to. An appointment runs long. We get stuck in a traffic jam. The boss needs to talk. The next thing you know it’s late. Now we feel we have no choice. We’ve hit that wall. We’re hungry now! We’re too tired to do anything but grab some carry-out or order delivery.

Cutting back

It may seem like a small expense, but it eats away at your budget (pun intended). If you’re feeling like we’ve described you perfectly, don’t feel like you’re alone. We’re right there with you! Here are some ways we’ve found to cut back on this convenience expense:

Always stock some food that’s easy to stick in the oven or microwave.

Then if you’re running late, you can have less expensive convenience food. Plus you’ll save the time of stopping or running out for carry-out.

Plan for leftovers

If our next week’s schedule looks busy, we’ll cook up a little extra food on the weekend so we have leftovers which can be nuked in a matter of minutes. These leftovers are also an excellent way to save money on going out for lunch. There are more productive ways to spend a lunch hour than driving back and forth.

Invest time today to save money tomorrow

By planning next week’s meals, you can find coupons for the items you want to purchase. It’s like printing money legally as we learned from Crissy Thompson, who often spends as little as $10 a week to feed her family of five.

You can also think about where you shop. They’re called “convenience stores” for a reason! We pay a price to be able to run into the store and grab something on our way home.

This is just one example of the many convenience expenses. If you’re living payday to payday or not saving as much as you would like, think about your convenience expenses and the time / money interplay.

There is a huge trade-off between time and money. If you have money,
you can save time. If you don’t have money, it’s important to really
 think about how you’re using your time and try to save money.

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Subscribing to the Bigg Success Weekly! It’s conveniently e-mailed to you once a week. And it doesn’t cost you any money! But the time you spend reading it will help you make and save money! How’s that for a deal?

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Next time, we’ll discuss how to create wealth in today’s new economy. Until then, here’s to your bigg success!

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Direct link to The Bigg Success Show audio file:
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Save the Holiday Party!

holiday We face many important issues in the coming months and years. So we decided to start a movement – to save the holiday party!

Okay, maybe that’s not the most important thing we could address, but we still think that many business owners are making a bigg mistake by eliminating this annual tradition.

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A recent survey by executive search firm Battalia Winston found that fewer firms plan to host a holiday party for their employees this year. In fact, it’s the lowest number in the twenty year history of the study. The primary reason cited is the poor economy.

We think this sends the wrong message. Leaders who portray gloom and doom create an environment of uncertainty. It scares people. People today are looking for signs of reassurance, not signals of impending disaster.

Holiday parties aren’t just about having a party. They’re a great opportunity to show your appreciation to your people. They can help build your team by getting together without the pressure of work. Yet people inevitably talk about work, recalling fun times together from the past year. This builds a sense of comradery which helps get things done at work.

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If last year’s party is beyond this year’s budget, get creative. There are ways to keep the party without busting the bank. Here are some thoughts:

Look for deals

With more companies cutting back, you might be surprised to learn that facilities are more aggressive in pricing deals for those people who still plan to hold an event. You’ll never know if you don’t ask!

Keep it on site

If you can’t find a good deal, consider having it on site if your facility will accommodate it. Then look for a good deal on catering. You might find that catering firms offer a good alternative since they’re not paying for the overhead of a facility.

Go potluck

If that’s still too expensive, have a potluck. Ask your employees to bring a dish. Consider making it a day-long event. People can “graze” and chat. Just for one day, accept a more relaxed environment full of impromptu conversations.

Make it fun

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marylynnSanta visited us at a radio station I worked at. The employees brought their kids in to tell him what they wanted. It was a lot of fun – all for the price of renting a Santa suit since our General Manager played Santa.

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There are many other ways to make it an event, even if it doesn’t fit the mold of a traditional holiday party. Give out awards. Have an employee who’s into such things produce a fun video or audio.

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marylynnAt one radio station, our production manager put together a fun audio of all of our commercial outtakes. As the disc jockeys recorded commercials, he kept the bloopers and played them at our annual holiday get-together. It was so funny!

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georgeWe gave out gag gifts at one of the companies I owned. They reflected something that an employee had done over the past year that made people laugh. It brought up the joke again and everybody loved it.

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Hold it after the New Year

A number of companies are turning their “holiday” party into an “annual” party. Instead of competing for space during the busy holiday season, they hold it after the New Year. A lot of people really like this because we’re all so busy at the end of the year.

We have friends who turned their annual holiday party into “Christmas in July.” We were fortunate enough to get invited. They had a Christmas tree and played holiday music. It made for a fun evening.

If you do end up doing something different, don’t present it as just the result of budget cutbacks. Tell your people that you want to try something different. Get them involved in finding a good solution.

What do you think? Does canceling the holiday party send the wrong message to your people? What are you doing this year for your people?

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Is Your Status Costing You Money?

balance We all experience trade-offs. One of the most significant ones is time and money. If we have money, we can use it to buy services that give us more time. Another trade-off is status and money.

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Status at work

We may ask our boss for more money, but he or she tells us that it’s not in the budget. So instead, we’re offered a title – it gives us more credibility but it doesn’t line our coffers.

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marylynn When I was starting out in my radio career, I helped out quite a bit in the production department putting together commercials. I eventually became the go-to person when the production director wasn’t available. When I asked for more money, I was told it wasn’t in the budget but they gave me the title of Assistant Production Director. This helped me negotiate for a higher salary when I left for a different market.

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So sometimes the title can lead to more money. If that’s the case, great! But we need to go into it with eyes wide open because status without money usually doesn’t do us much good in the short- or long-run. We may have to work more hours because of our new title. We may be held more responsible. So we have to weigh the benefits.

Bringing it home

We also often fall into the status trap personally. We buy things, such as cars or houses that we don’t really need or want. We do it to keep up with our friends and neighbors.

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georgeTwo of my friends are best friends. They don’t do this anymore but, when they were first starting out, it was almost comical to watch them compete with each other. One bought a new car; within a month or so the other got a new car. One of them bought a new house; the next thing you knew the other one had his house on the market and was buying a new one. One got married; soon the other was engaged. One had a kid; soon the other one was an expectant father!

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The point is to recognize when you’re about to do something solely to increase your status. It may hurt you financially! Which means, in the long run, you’ll have less status than you would like.

It’s funny … what often keeps us from getting rich is acting like we’re rich before we are rich!

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Get the tips and tools you need to be a BIGG success.
Subscribe to the Bigg Success Weekly – it’s FREE!

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Next time, we’ll discuss one more thing to add to your schedule to keep you on schedule. Until then, here’s to your bigg success!

Subscribe to The Bigg Success Show in iTunes. 

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Related posts

Getting Aggressively Passive: Creating A Passive Income That Sets You Free

6 Easy Steps To Financial Freedom

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