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Tag: work

  • Google Used a Black, Deaf Worker to Tout Its Diversity. Now She’s Suing for Discrimination

    Google Used a Black, Deaf Worker to Tout Its Diversity. Now She’s Suing for Discrimination

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    Hall says when she has access to an interpreter, they are rotated throughout the week, forcing her to repeatedly explain some technical concepts. “Google is going the cheap route,” Hall claims, saying her interpreters in university were more literate in tech jargon.

    Kathy Kaufman, director of coordinating services at DSPA, says it pays above market rates, dedicates a small pool to each company so the vocabulary becomes familiar, hires tech specialists, and trains those who are not. Kaufman also declined to confirm that Google is a client or comment on its policies.

    Google’s Hawkins says that the company is trying to make improvements. Google’s accommodations team is currently seeking employees to join a new working group to smooth over policies and procedures related to disabilities.

    Beside Hall’s concerns, Deaf workers over the past two years have complained about Google’s plans—shelved, for now—to switch away from DSPA without providing assurances that a new interpreter provider would be better, according to a former Google employee, speaking on the condition of anonymity to protect their job prospects. Blind employees have had the human guides they rely on excluded from internal systems due to confidentiality concerns in recent years, and they have long complained that key internal tools, like a widely used assignment tracker, are incompatible with screen readers, according to a second former employee.

    Advocates for disabled workers try to hold out hope but are discouraged. “The premise that everyone deserves a shot at every role rests on the company doing whatever it takes to provide accommodations,” says Stephanie Parker, a former senior strategist at YouTube who helped Hall navigate the Google bureaucracy. “From my experience with Google, there is a pretty glaring lack of commitment to accessibility.”

    Not Recorded

    Hall has been left to watch as colleagues hired alongside her as content moderators got promoted. More than three years after joining Google, she remains a level 2 employee on its internal ranking, defined as someone who receives significant oversight from a manager, making her ineligible for Google peer support and retention programs. Internal data shows that most L2 employees reach L3 within three years.

    Last August, Hall started her own community, the Black Googler Network Deaf Alliance, teaching its members sign language and sharing videos and articles about the Black Deaf community. “This is still a hearing world, and the Deaf and hearing have to come together,” she says.

    On the responsible AI team, Hall has been compiling research that would help people at Google working on AI services such as virtual assistants understand how to make them accessible to the Black Deaf community. She personally recruited 20 Black Deaf users to discuss their views on the future of technology for about 90 minutes in exchange for up to $100 each; Google, which reported nearly $74 billion in profit last year, would only pay for 13. The project was further derailed by an unexpected flaw in Google Meet, the company’s video chat service.

    Hall’s first interview was with someone who is Deaf and Blind. The 90-minute call, which included two interpreters to help her and the subject converse, went well. But when Hall pulled up the recording to begin putting together her report, it was almost entirely blank. Only when Hall’s interpreter spoke did the video include any visuals. The signing between everyone on the call was missing, preventing her from fully transcribing the interview. It turned out that Google Meet doesn’t record video of people who aren’t vocalizing, even when their microphones are unmuted.

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    Paresh Dave

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  • Best jobs in Canada for immigrants: The top 5 industries in demand – MoneySense

    Best jobs in Canada for immigrants: The top 5 industries in demand – MoneySense

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    2. Jobs in health care

    The demand for health care workers has never been higher. The Canadian government has included health care workers in its first-ever category-based priority jobs process, announced in May 2023. The following month, it announced a new immigration stream for health care workers—the first 2,000 invitations to apply were sent out last year. Some provinces—including British Columbia, Alberta and Nova Scotia—have express entry or dedicated pathways for newcomers to get health care jobs quickly. Nova Scotia’s program is a pilot project. (See resource box below for links.)

    In-demand jobs: Health care jobs range from hospital administrative staff (such as medical office assistants, secretaries and schedulers) to unregulated care providers (such as personal support workers and physician assistants) to regulated professionals (such as doctors, nurses and pharmacists). (Regulation will vary by province or territory.) According to the Canadian Institute for Health Information (CIHI), the need for nurses here is high, based on Canada’s RN-to-population ratio. (In 2022, we had just 825 nurses per 100,000 people.) Physicians are also badly needed. From 2022 to 2031, the number of job openings for family physicians and general practitioners is expected to reach 48,900, far outweighing the estimated 29,400 job seekers, according to the Canadian Occupational Projection System (COPS).

    Training and credentials: This varies widely by job type, and by province or territory. Administrative and unregulated health workers may need training to satisfy job requirements; you can find courses at government-funded and private schools. For regulated health professionals, getting international credentials recognized in Canada can be challenging. This is changing somewhat, as regulatory bodies try to address the labour shortage. Still, getting licensed or certified to work in Canada can be expensive and time-consuming, and many newcomers are not successful in continuing their medical careers here. (Start with the government’s Foreign Credential Recognition Tool.)

    Industry hot spots: The demand for health workers is strong across Canada. However, there are some places where the need is greater than others. Family physicians are most needed in the three territories (Yukon, Nunavut and the Northwest Territories), Quebec and British Columbia. Among the provinces, the physician-to-patient ratio is the worst in Ontario, Manitoba, Saskatchewan and B.C. For personal support workers (PSWs) and continuing care assistants (CCAs), the demand is so high that some provinces, including Ontario and Nova Scotia, offer free training to qualified students. Graduates may be required to work in underserved communities for a certain period.

    Salary range: Salaries vary widely by role, location and experience. A few examples from Canada’s Job Bank: Medical administrative assistants can earn $17 to $34.55 per hour (lowest rate in Prince Edward Island, highest rate in Yukon), with a national median of $22.56 per hour. Registered nurses can earn $25 to $83 per hour (lowest rate in Quebec, highest rate in Nunavut), with a national median of $40.39 per hour. General practitioners (family physicians) earn $69,539 to $497,843 per year (lowest amount in British Columbia, highest amount in Manitoba), with a national median of $233,726 annually.

    Resources for health care workers

    Return to menu.

    3. Jobs in skilled trades

    There are many ways to join skilled trades in Canada. In mid-2023, the government announced a category-based priority immigration plan that includes trades jobs, such as carpenters, plumbers and contractors. Some provinces, such as Ontario, British Columbia and Nova Scotia, have programs to compete for much-needed skilled workers. (See resource box below for links.)

    In-demand jobs: Below are the top five Red Seal tradespeople in demand from now until 2026, according to Employment and Social Development Canada. (The Red Seal Program sets the standards for skills assessment of tradespeople. Canada has more than 300 designated trades; about 50 of them are Red Seal trades.)

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    Veronica Silva Cusi

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  • How much should I charge for freelance services? – MoneySense

    How much should I charge for freelance services? – MoneySense

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    Pricing your services can be tricky, even for experienced freelancers. Let’s go over the factors to consider when deciding your rates. There are three parts to this: understanding the market you’re in, determining your income needs and your business’s break-even point and, lastly, setting your price using cost-based or value-based pricing.

    1. Understanding the market

    The first step in finding out how much you should charge for freelance services is to do market research. You’ll want to determine the following: 

    • Competitors: Who are the other players (businesses or freelancers) that offer the same or similar services in your industry or region? 
    • Customers: Who are your competitors targeting? Who are their customers, where are they, and what specific products or services are they buying?
    • Pricing: How are your competitors pricing their services? Check their websites to see whether they use hourly or project-based pricing. What factors might play a role in their pricing—for example, do they provide unique value or services, do they have lots of experience, or do they charge below-market prices to attract customers? 

    Then, map out where you fall into this mix, and use your research as a benchmark when making your own decisions. When doing this analysis, you can figure out your place in the market using the popular S.W.O.T. method: find out the strengths, weaknesses, opportunities and threats in your business environment (your geographical region or your competition online, for example). This will also help you compare your offerings to those of other vendors. 

    If you’re a freelance event photographer, for example, and you offer photos but not videos, your service packages should be priced lower than those of freelancers who offer both. This could help you attract customers who are looking for more affordable rates. And, you could also expand your services to include video in the future.

    By the end of your research, you should be able to answer some questions about how much you will invoice as a freelancer, such as: 

    • What are the going rates for services in your industry?
    • Will you charge hourly for your services, or will your pricing be project-based, or both?
    • If you are charging for projects and/or packages, what services will they include?
    • Will you have different bundles or packages at different price points, based on your costs and the value you provide to the customer? 

    How much to invoice as a freelancer 

    Now, you need to determine the dollar amount you should charge for your freelance services. There are two parts to this: a personal needs assessment and calculating your business expenses.

    1. Personal needs assessment

    How much will you need to pay yourself? Understanding your personal needs (rent payments, utilities and other necessities) versus wants (discretionary spending on food, entertainment or hobbies) will help you determine what you are able to pay yourself and what you are willing to sacrifice until your business grows. 

    Let’s say your needs require that you earn at least $1,000 a month from freelancing in addition to your other sources of income. When determining your personal payout, you need to consider your income tax bracket as well—new freelancers often forget about this. If your needs cost you $1,000 per month, and you’re roughly in a 30% tax bracket, you’ll need to pay yourself at least $1,300 from the business. (Read more about tax brackets, how they work in Canada and find out how much taxes you may have to pay.)

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    Shalini Dharna Kibsey, CPA

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  • Work-from-home tax credit: What Canadians can claim for 2023 – MoneySense

    Work-from-home tax credit: What Canadians can claim for 2023 – MoneySense

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    A tax deduction is often better than a tax credit because it reduces your taxable income. When you decrease your taxable income, you may save 15% to 54% tax depending on your income and where you live.

    What can you claim for working from home in 2023?

    The Canada Revenue Agency (CRA) introduced a temporary flat-rate home-office expense deduction for the 2020, 2021 and 2022 tax years. Last year, a taxpayer could claim $2 per day worked from home, up to a maximum of $500, as a deduction.

    This simplified method is no longer available for 2023. The detailed method for claiming home-office expenses now applies for all eligible employees, Imtiaz, so you can still claim a deduction if you qualify. In order to be eligible to claim home-office expenses, an employee must:

    Visit the CRA’s website for detailed eligibility criteria.

    How to claim the work-from-home expense deduction for 2023

    Some employers may need a reminder to provide Form T2200s to their employees for 2023. So, if you think you qualify and do not receive the form along with your T4 slip, it may be worth raising this with your employer.

    You can claim a pro-rated percentage of the following expenses:

    • Electricity
    • Heat
    • Water
    • Utilities portion (electricity, heat, and water) of your condominium fees
    • Home internet access fees
    • Maintenance and minor repair costs
    • Rent paid for a house or apartment where you live

    You need to determine your workspace use by calculating the size of your workspace relative to all finished areas of your home. This percentage applied to your eligible expenses becomes your home-office expense deduction, Imtiaz.

    When sharing a workspace

    If the workspace is a shared area used for work and personal use, or if it is shared by more than one person who works from home, you may need to further reduce the eligible percentage of your home-office expenses that can be claimed. Visit the CRA’s website for information on how to determine the type and size of your workspace.

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    Jason Heath, CFP

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  • Business briefs

    Business briefs

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    PEOPLEIan Staber recently joined SV Design in Beverly as the project manager for the firm’s commercial architecture team. Staber brings 13 years of experience ranging from architectural design, kitchen and cabinet design, project management, and facilities management, having worked for multiple firms between Connecticut, the Boston area and Colorado. As project manager at SV Design, he oversees several local, affordable housing developments and is working on multifamily and institutional projects from conception to completion. Staber has a bachelor’s degree and master’s in architecture from Northeastern University. Most recently, he had worked with Seger Architects in Salem on projects ranging from office fit-outs, multifamilies, dormitories, and restaurants. He lives in Salem with his wife and two kids. On the side, he creates custom calligraphy designs and paints large scale murals as Esoteric Calligraffiti.

    Lou DiFronzo, Matthew LaLone and Carole Wedge were recently elected to the board of directors for Northeast Arc, a nonprofit organization based in Danvers that serves children and adults with disabilities. DiFronzo, who lives in North Reading, is a partner at Seyfarth Shaw, LLP, and provides advisory legal services to his clients concentrating in commercial transactions and general outside counsel counseling to private companies. He has been involved in numerous complex financing and M&A transactions helping his clients to achieve their business objectives. LaLone, who lives in Melrose, is President of Administration and General Counsel at Energy North, one of the largest wholesale distributors of fuel in New England and Upstate New York. It also operates and owns 70 gas stations, convenience stores, car washes and food service locations as well as providing 45,000 households with heating oil and propane. Wedge, who lives in Concord, recently retired as a principal at Shepley Bulfinch, a national design firm with studios in Boston, Durham, Hartford, Houston, and Phoenix. As the former president and CEO, she is recognized for her leadership in the firm’s evolution and growth into an innovative organization with an open and diverse culture.

    MILESTONESWilliam Raveis Real Estate recently won the National Top Brokerage Award at Inman Connect in Las Vegas. Since 1998, the Inman Innovator Awards have honored companies, individuals and new technology that increases productivity, efficiency and transparency for consumers and real estate professionals alike. Out of more than 150,000 real estate firms in the country, only a handful of companies meet the criteria to qualify. Inman’s highest honor of “Top Brokerage 2023” was awarded to Raveis, which has been a real estate industry leader for 50 years. “We’ve been on a winning streak with number one for global, HGTV Ultimate House Hunt, best local agency awards, and now we are officially the number one real estate company in the United States,” said founder and CEO William “Bill” Raveis. “We are very proud to be recognized and owe our outstanding success to the wonderful sales associates and employees at William Raveis.” The company has more than 4,500 sales associates, 400 employees, and over 140 office locations from Maine to Florida, with local offices in Marblehead and other North Shore communities.

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  • Social Bonding Through Movies: The Emotional Magic Behind Watching Films Together

    Social Bonding Through Movies: The Emotional Magic Behind Watching Films Together

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    Movies can be an excellent social bonding experience in a variety of situations, including first dates, family movie nights, group watches, couples therapy, and professional settings. Learn more about the emotional dynamics behind watching films together.


    Beyond being a source of entertainment, films have the power to foster social bonds and create shared experiences among individuals.

    Whether it’s getting together at a friend’s house on a weekend night, embarking on a first date at the theaters, or upholding a family tradition of watching the same movie during holidays, watching movies together is one of the most common ways we connect with others.

    But what’s the psychology behind these cinematic connections? Let’s dive into the many social benefits behind movie watching and how they can improve our relationships in a number of different social settings.

    Shared Experiences

    Every time you press “Play” on a new movie, you are starting a collective journey with whoever you are watching with. No one knows what will happen, so you are both entering the unknown together and experiencing it for the first time.

    Every film is a rollercoaster of different emotions – joy, laughter, surprise, fear, suspense, disgust, sadness, anger – and everyone is experiencing those emotions together as a “hive mind.” Research shows emotions are contagious, and when multiple people are experiencing the same emotion in unison, feelings are often amplified more than if you were just experiencing it by yourself.

    Movies create new shared experiences that mark new chapters throughout our relationship. “Remember that one time we saw Wolf on Wall Street? That was fun!” A memorable movie can become a distinct event in our relationship’s storyline, especially if it symbolizes a special day like a first date, birthday, or anniversary, giving us a positive memory to look back on and reminisce about.

    Watching movies together doesn’t require much work, it effortlessly creates a sense of unity among the people watching. Even if everyone hates the movie, it still creates a shared bond, “Wow, that movie was really stupid!” and then you can all laugh about it.

    Icebreaker and Conversation Starter

    Watching films together serves as an excellent icebreaker, especially in situations where individuals may be meeting for the first time or trying to strengthen new connections.

    The movie theater, often considered a classic venue for a first date, provides a natural conversation starter. After the credits roll, initiating a conversation becomes as easy as asking, “Did you like the movie? Why or why not?” Ask about favorite scenes or whether they’ve seen other movies featuring the same actor or actress.

    Use the film as a springboard into other topics to talk about. If you’re skilled at conversation threading, you should be able to take one thing from the film and branch off into more important subjects. If it’s a film about music, inquire about their musical preferences or whether they play an instrument. For sports-themed movies, explore their favorite sports or childhood sports experiences.

    Icebreakers aren’t exclusive to first dates; they’re equally helpful in building connections in various scenarios, whether it’s getting to know a coworker outside the office or deepening a friendship.

    One fair criticism of movies as a bonding experience is that you don’t get to do much talking during them. It’s a passive experience, not an active one. But there are also benefits to this: it’s a shared experience with little effort (no pressure, just sit and watch), and it gives you a convenient starting point for more meaningful conversation later on.

    Nostalgia and Tradition

    For many, watching films together is not just an occasional activity but a cherished tradition that spans multiple generations.

    Family movie nights play a pivotal role in strengthening the bonds between parents and children. Holiday film marathons, especially during festive seasons, elevate our collective spirit and enhance the joyous atmosphere. Revisiting favorite childhood movies creates a profound sense of nostalgia, keeping us connected to our past.

    One popular family tradition may be during Christmas, such as having A Christmas Story playing in the background as you decorate the tree or watching It’s A Wonderful Life every Christmas eve.

    These traditions are about more than just the movie; they’re about creating a whole family experience. Infuse your own unique twist by turning it into a game, baking homemade cookies before watching, or simply enjoying jokes and good company. The film itself is just one aspect of a complete family ritual and bonding experience.

    When families embrace these shared traditions, they contribute to a profound sense of belonging and unity. These rituals become the threads weaving together the fabric of family ties and friendships over long periods of time.

    Team Building and Group Bonding

    Beyond personal connections, watching films together can be an effective team-building activity in professional settings.

    Organizational unity can be difficult to achieve for many companies, especially when workers have radically different jobs and skillsets, often being assigned to work within one department of a company but being siloed off from the organization as a whole.

    Movie nights and film screenings can be an effective way to provide employees with a stronger sense of unity and camaraderie. Different departments that normally don’t see each other get to cross-pollinate and make connections with faces they don’t often get to see. Scheduled events like this can foster a team of teams mindset, helping to interconnect different departments into a cohesive whole.

    Perhaps certain movies depict an idea, philosophy, or mindset that an organization wants to embrace more of. Requiring every employee to watch a movie together is more than just making friends at work, it can also tap into a deeper meaning behind the organization’s mission and purpose.

    Couples Therapy

    Movies can serve as bouncing points to important conversations that need to be had between spouses and loved ones.

    It’s not always easy to bring up certain topics of conversation, but through film you can organically dive into subjects that otherwise wouldn’t get brought up in everyday discourse, like mental health, sex and intimacy, or experiencing grief after a tragedy or loss.

    It’s common for a couples therapist to recommend a specific movie to their clients. You may already know of a movie that you’d like to share with someone. You can also ask friends or seek recommendations online. Ask yourself, “What’s something I really want to talk about with my partner?” then “What’s a good movie that can introduce this topic?”

    A powerful film can help couples process their relationship more clearly. It shows the universality of humanity – you’re not alone with whatever you are going through – and brings ideas out in the open that need to be expressed or talked about.

    One exercise you can try together is to each take notes or fill out a movie analysis worksheet while watching.

    Communal Bonding and Bridging Social Divides

    On a larger scale, film watching can help bridge cultural and social divides, as well as be used as a tool for communal bonding.

    Social events such as public screenings, outdoor showings, movie festivals, or drive-thru theaters are great settings to watch a movie among a large and diverse group of people within your community.

    These days with easy access to streaming services at home, most people watch movies all by themselves, but there used to be a time when movie-watching was an intrinsically social activity done in public spaces.

    As we continue to see a decline in community feeling, movies may be one avenue to start bringing people together again as a cohesive group.

    One idea is for local organizations to throw more public events with film features to celebrate holidays or special events – or you can set up a projector on your garage door and invite some neighbors for a weekend movie watch.

    Conclusion

    Watching films together is more than just a passive form of entertainment; it is a dynamic social activity that brings people together, creating lasting bonds and shared memories.

    Films are universal connectors. Whether it’s with family, friends, or colleagues, the act of watching a movie together creates an automatic bond and sense of unity.

    Are you a big movie watcher? In what situations can use film watching to improve your relationships with family, friends, loved ones, or coworkers?


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    Steven Handel

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  • Don’t have a college education and want to make bank and take half the year off? Oil rig work is the hot job for many Americans

    Don’t have a college education and want to make bank and take half the year off? Oil rig work is the hot job for many Americans

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    Not many on-the-ground jobs  that offer a salary over $55,000 for just half a year’s work. But that’s the money for those who opt for the rigor of an oil rig,  a hot topic on people’s tongues this week. 

    According to Google, interest in oil rig jobs is having a moment. Searches for oil rig work reached a five-year high, surging particularly especially in the southern states of Mississippi, Alabama, Texas and Arkansas, which abut the Gulf of Mexico and its 6,000-plus oil and gas structures, or rigs. A few reasons help explain why more people want in on the job despite deadly on-the-clock risks and increased environmental pollution. 

    Good money; no college required

    According to research on the impact of oil and gas job opportunities, most jobs in the industry pay well, especially for those who don’t have college degrees. Entry-level oil work only requires a high school diploma or equivalent, which could be tempting for more than half of all Americans over age 25 who don’t have a college degree. Starting salaries average $55,000 per year, according to ZipRecruiter, while those in management positions could pocket well over $100,000 per year, according to oil industry law firm Arnold & Itkin.

    According to Amanda Chuan, a professor in labor relations at Michigan State University, the attractive starting pay especially entices college-aged young men, who account for about 20% of the workforce, and are increasingly facing decisions between enrolling in school and risking years of debt and taking a high starting salary that they could pocket much sooner.  

    “These are jobs that don’t require a lot of cognizant skill, but you’re paid a lot for the long shifts, living in a camp, being away from home, chemical exposure and high risk of injury,” she said. “It’s extremely exhausting, mentally draining and a lot of people are not willing to do it—so if you are, you’ll make a lot.” It’s a concept called compensating wage differentials, Chuan explained—essentially, paying more for less-desirable work. 

    Oil rig workers also face pollution hazards, according to the U.S Department of Labor,  due to spending a lot of time in confined spaces. Petroleum storage tanks, mud pits, reserve pits and other spaces around an oil wellhead can all come with more exposure to chemicals, flammable vapors or gasses that could cause workers to suffocate. 

    The cost-of-living crisis, though, is making more people willing to take on the back-breaking work (and fatal risks) of rigs. 

    According to a report by the nonprofit National Low Income Housing Coalition, renters nationwide are struggling to afford housing, with the lowest-income residents in states like Arizona, Texas and Florida most worried about affording housing. 

    Boom-bust nature of the industry

    Another reason for more labor interest in rigs is just the “boom-bust” nature of the oil industry. During booms, periods of high demand for oil, investors pour in and trigger overproduction, according to the Colorado School of Mines. Busts follow the overproduction, which see lower prices for oil and under-investment by the industry. The bust period of lower prices then triggers more demand for cheap oil, which shifts the price higher again and the cycle continues. 

    The current boom that finds oil rig workers in hot demand right now is in part due to global wars, like the invasion of Ukraine and the siege on Gaza, which means the country can’t rely on as much oil coming in. “Because our usual supplies for energy are being cut short right now,” Chuan said, “the country is turning more to domestic production of oil.” 

    The boom-bust nature of the industry also affects changes in labor demand, she said, as “during booms, newspapers report thousands of new high-paying jobs,” but “during busts, many jobs vanish, potentially leaving thousands unemployed.” Several such layoffs have occurred as the industry cycles through its high and lower value periods, with 2014 and 2020 as some of the biggest years for bust-fueled layoffs.

    Chuan explained that the high starting pays and long vacations are meant to compensate for the risks people assume on the job. For younger workers, the particular risk is that “it leads you away from investing in your human capital, or education and transferable skills, that could help you find future employment that does not depend on the boom-bust cycle.”  

    Half a year of PTO—but 12-hour days 

    According to Arnold & Itkin’s blog post, many workers face shifts of 14 days on the clock, 21 days off. That  means they work for full-day shifts, which can be up to 12 hours long and include night shifts, for two straight weeks. Then they are rewarded with three weeks off. For those who work on offshore rig sites, “two straight weeks at sea can be a harrowing experience for many, although some rigs are equipped with impressive living quarters for the crew.” 

    Living quarters can include “an onsite gym, theater, indoor sports facilities, computers, and more to occupy the time,” the blog says. That can be essential, as many people are not able to return home on their off time due to travel expenses and logistics and end up staying “on the rig the entire time.” 

    What would you do on the oil rigs, and what do you risk? 

    According to Indeed, an oil rig worker’s main responsibility is to extract, store and process oil—relying on lots of equipment. They find themselves at the helms of drills, cranes, forklifts and more to guide pipes into drilling wells. They gain an understanding of chemical levels to prevent the pipes from corroding and track environmental changes that could affect drilling productivity. 

    On risks, Arnold & Itkin states that oil rig crews experience some of the highest rates of injuries and fatalities in the country. 2008 was a particularly deadly year, with 120 oil and gas workers killed on the job. According to the Centers for Disease Control and Prevention, 470 oil workers died between 2014 and 2019, over 400 of them on the job and 69 of them from cardiac complications. The death rate has also been increasing: In 2019, the rate of oil worker fatalities was about 12%, compared to about 6% in 2017.  

    The most common causes of injuries include fires, falls, fatigue, machinery malfunctions, and lack of safety culture on rigs, according to Arnold & Itkin. In one Reddit thread, nearly 100 users shared their most terrifying experiences on oil rigs—describing brutal burns, equipment that maimed people, and witnessing entire coastlines degrade quickly. 

    According to several studies, marine ecosystems and communities who live near waters with rigs face threats from water contamination and dying sea animals. Especially dangerous are seismic airguns, which are towed behind ships and used to shoot blasts of compressed air which are 100,000 times more intense than jet engines, to find oil trapped deep underneath the ocean floor. According to Oceana, an international organization that researches oceans, these blasts are repeated about 6 times a minute almost all day at oil rigs for weeks at a time, and can kill marine animals like sea turtles and fish. 

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    Sunny Nagpaul

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  • Microsoft Teams not working? It’s not just you

    Microsoft Teams not working? It’s not just you

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    Posted:

    Updated:

    (NewsNation) — Office workers may have a new excuse to start the weekend early: Microsoft Teams was down Friday.

    Downdetector showed over 11,800 reports as of noon CT. That number went up to 13,869 at 12:22.

    “We’re investigating an issue impacting multiple Microsoft Teams features,” Microsoft 365 wrote on X, the social media site formerly known as Twitter. “We’ve identified a networking issue impacting a portion of the Teams service and we’re performing a failover to remediate impact.”

    Microsoft Teams was trending on Twitter on Friday. Users said images and other content weren’t loading and duplicate messages were being sent, among other issues.

    According to Downdetector, some people were also experiencing issues with Microsoft 365 and Microsoft Store, though to a much lesser extent.

    Teams is a platform workplaces use to meet, share files and apps.

    This story is developing. Refresh for updates.

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    Cassie Buchman

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  • Palworld is playable on Steam Deck, but needs some work

    Palworld is playable on Steam Deck, but needs some work

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    Palworld is now available in Early Access on Steam and in Game Preview mode on Xbox. The “Pokémon-with-guns” game is also playable on Valve’s Steam Deck, where I’ve been playing since Palworld launched.

    Yes, Palworld is officially “Playable” on Steam Deck, which in Valve’s definition means that the game is “functional on Steam Deck, but might require some extra effort to interact with or configure.” Valve also warns some in-game text may be small and hard to read on the Steam Deck screen, and that users will need to adjust some graphics settings themselves.

    Palworld on Steam Deck plays just like its bigger PC sibling — it’s a fully functional, open-world survival game with dozens of off-brand Pokémon pals in the palms of your hands. There’s no gameplay element the Steam Deck version lacks compared to the other versions, but it can also be a bit clumsy, and frequently feels slightly broken. I’ve had some difficulty using the Steam Deck’s gamepad controls to move through the game’s menus; some button presses simply don’t register consistently, and I’ve been befuddled by how to navigate certain menus. And Valve’s warning’s about tiny in-game text should be heeded. Palworld’s interface is built for much larger screens, and some button icons are difficult to discern.

    Graphically, the game defaults to low settings, which delivers between 25-35 fps refresh rates. Tweaking those settings further will offer better performance without much sacrifice in visual quality. Palworld will look OK and run slightly better, generally at a 30 fps frame rate (which you can lock) with the following settings, with the Steam Deck’s native 1200 x 800 resolution:

    • VSync — off
    • Motion Blur — off
    • Max FPS — 30
    • Anti-aliasing — TSR (or TAA)
    • View Distance — low
    • Grass — medium
    • Shadows — medium
    • Effects Quality — medium
    • Texture Quality — medium

    Manually setting all those graphics options to “low” will get you up to an inconsistent 40-50 fps, but the sheer ugliness of those visuals may not be worth the trade-off. A mostly solid 30 fps will likely serve your needs better.

    Palworld obviously still needs a lot of work to be fully “Verified” on Steam Deck, particularly around various UI elements and improved game pad control support. But it’s more than playable for now, and worth trying out on your Steam Deck if you have one.

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    Michael McWhertor

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  • What is the CPP enhancement? – MoneySense

    What is the CPP enhancement? – MoneySense

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    The second phase of the Canadian Pension Plan (CPP) enhancement program has come into effect as of January 2024, and with it, the final CPP contribution rate increase for most Canadians. In an effort to ensure adequate retirement pensions, this seven-year government initiative involving incremental raises to the contribution rate came into effect in 2019, and it involved incremental raises to the contribution rate.

    Now, the second CPP enhancement is introducing an additional “earnings ceiling,” which will affect some middle- and high-income earners. Does that include you? Learn everything you need to know about the CPP enhancement and the 2024 changes in this explainer.

    Why are CPP contributions increasing?

    The CPP is one of three primary government programs, along with Old Age Security (OAS) and the Guaranteed Income Supplement (GIS), designed to provide Canadians with income to last them throughout retirement. For some workers, this amount is supplemented by an employer-provided defined benefit (DB) plan, which guarantees a certain amount of income for life, while others save for retirement using vehicles like registered retirement savings plans (RRSPs).

    According to Evan Parubets, head of the advisory services team at Steadyhand Investment Funds Inc., this approach worked for many decades. “We used to have average savings rates of over 20% in Canada, back in the early ’80s,” he says, “but saving rates have basically been falling for decades.”

    Declining personal savings isn’t the only issue. “Over the last several decades, companies have let go of defined benefit plans and replaced them with defined contribution plans,” Parubets says. These packages have employers matching employee contributions for investment. “This brought in more unpredictability towards retirement.”

    By 2019, it became clear that many Canadians were not going to have sufficient savings or assets for their retirement, says Parubets. “The government made a decision to essentially enhance the government benefits to make up for the lack of private benefits.” 

    The CPP enhancement

    Introduced in 2016 and begun in 2019, the CPP enhancement is a seven-year program designed to boost retirement pensions by increasing the amount of CPP contributions.

    How CPP contributions are calculated

    Since the CPP was introduced in 1965, Canadian workers have contributed by way of payroll deductions or, in the case of self-employed people, at tax time.

    Each Canadian worker can earn up to $3,500 (the “basic exemption amount”) without paying into CPP. Think of this as your personal base rate when you file your taxes. Any money you earn after that is subject to CPP deductions—up to the year’s maximum pensionable earnings (YMPE). The YMPE is also called an “earnings ceiling”—that is, anything earned above this amount will not be subject to additional CPP contributions.

    In 2018, prior to the first enhancement, the rate for Canadian employees was 4.95% (with employers matching this contribution). Self-employed Canadians paid double—or 9.9%—because for these purposes, they serve as both the employer and employee. So, with a YMPE of $55,900 in 2018, an employed person earning that much or more would pay 4.95% in CPP on $52,400 ($55,900 minus the basic exemption amount of $3,500), for a total of $2,593.80. A self-employed person making $55,900 or more would pay double, for a total of $5,187.60.

    The first enhancement (CPP1)

    The federal government introduced the CPP enhancements as a seven-year plan with two phases, each with escalating YMPEs and CPP contribution rates. This way, Canadians wouldn’t have to absorb the new costs all at once.

    The first enhancement, CPP1, went into effect in 2019 with a YMPE of $57,400 and a CPP contribution rate of 5.1% (10.2% for self-employed people). Over the next five years, both the YMPE and the contributions rates increased marginally. In 2023, the YMPE was $66,600 with a contribution rate of 5.95% (11.9% for self-employed people).

    The second enhancement (CPP2)

    The final phase of the CPP enhancement starts in January 2024. Instead of raising the rates further, this phase adds a year’s additional maximum pensionable earnings (YAMPE), or second earnings ceiling, with a contribution amount of 4% for employees and 8% for freelancers and other self-employed Canadians. In other words, the second earnings ceiling is meant to capture a portion of the income of higher-earning Canadians.

    To understand how the CPP enhancements work, let’s use an example of someone with an annual salary of $100,000, to make the math clear. 

    Jameela from Edmonton earns $100,000 annually as an employee. Under CPP1, with the 2023 rates of 5.95% and a YMPE of $66,600, she would owe $3,754.45, based on the following formula: ($66,600 minus the basic exemption amount of $3,500) x 5.95%. Jameela would pay nothing on any amount she makes over $66,600.

    In 2024, with a YMPE of $68,500 and a YAMPE of $73,200, Jameela’s CPP contributions are a bit different. She will pay 5.95% on the first $68,500 (minus $3,500), for a total of $3,867.50. In addition, she owes 4% on the money she earns between the first and second earnings ceilings (or between the YMPE and YAMPE), which is: $73,200 – $68,500 = $4,700. Multiplied by 4%, that comes out to $188. Her contributions will total $4,055.50.

    How much are CPP contributions going up in 2024?

    As of 2024, the CPP contribution rates for employees and the self-employed are the same as in 2023: 5.95% and 11.9%, respectively, unless they make more than the YMPE, which is $68,500 in 2024 and an estimated $69,700 in 2025.

    Workers who make more than the YMPE will contribute more—at a rate of 4% for employees and 8% for freelancers. This rate will only apply to the earnings between the first and second earnings ceilings.

    How does the CPP enhancement affect freelancers?

    Self-employed Canadians have always had to pay both the employer and employee portions of their CPP contributions, and it’s no different with these enhancements.

    “Compared to employed individuals, they are certainly at a disadvantage in the sense they have to pay double,” Parubets says. “Nevertheless, it is a form of savings. You’re getting that money back.” Plus, everyone can claim a federal tax credit of 15% of their CPP contributions. Self-employed contributors can also deduct the employer portion of their CPP contributions yielding tax savings at their marginal tax rate.

    As with Canadian employed workers, just how much a Canadian freelancer will pay depends on their income. For example:

    James is a freelancer in Quebec City who makes $55,000 per year, so his earnings fall under the first earnings ceiling. He will pay 11.9% on his eligible income. However, in 2025 he takes on a new client and his earnings jump to $80,000. Therefore, he will pay 11.9% up to the YMPE and 8% on the money between the YMPE and the YAMPE.

    It bears mentioning that in the example of James, living in Quebec, he will be contributing to the Quebec Pension Plan (QPP). The QPP mirrors the CPP in terms of contributions and earnings thresholds, as well as pension payments.

    What about low-income Canadians?

    Most Canadians, no matter their incomes, will benefit from the raised CPP rates when they retire due to a higher pension, with one notable exception—retired workers who qualify for the GIS.

    “Say you’ve been working low-income jobs all your life and contributing to CPP. Eventually you’ll get your money back,” says Parubets. “But if you’re still low-income and on GIS, they’ll claw back the GIS pension money that you would have otherwise been entitled to.” (A clawback is a means-tested reduction in government benefits.) The clawback rate hovers somewhere between 50% and 75%. “A person who’s never worked and never contributed to CPP will likely get most if not all their GIS benefits.”

    Read more about CPP:

    The post What is the CPP enhancement? appeared first on MoneySense.

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    Keph Senett

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  • How are bonuses taxed in Canada? – MoneySense

    How are bonuses taxed in Canada? – MoneySense

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    Maybe that money is already spoken for. Many Canadians are struggling financially right now, so a bonus or salary increase might simply help cover the rising cost of living or create a bit of breathing room in your budget. But if you’re keeping up with monthly obligations like rent, mortgage payments, household bills and loans, you may have some flexibility in how you allocate those bonus bucks—including saving towards your financial goals.

    “Year-end bonuses are very exciting and tempting,” says Reni Odetoyinbo, a financial influencer in Toronto who shares money tips on her site, Reni, The Resource. “I like to look at all my goals for the year and see if anything needs topping up to decide how I spend the bonus.” (Read her Q&A with MoneySense.)

    Are work bonuses taxed?

    Before you start divvying up your dollars: Know that bonuses are taxed like your other wages, so you may not receive as much as you think. Your employer will also deduct Canada Pension Plan (CPP) contributions and employment insurance (EI) premiums, unless you’ve reached your CPP and EI maximums for the year. 

    If you don’t need that bonus money right away, you could have your employer transfer it directly into your registered retirement savings plan (RRSP), if you have RRSP contribution room. No federal or provincial taxes will be withheld.

    “Of course, the RRSP money is likely going to be stored away for a longer term, so if you have some more immediate needs, these are important to consider,” says Odetoyinbo. On that note, below are five ideas for how to spend a work bonus, plus links to tips and resources for each one.

    Bonuses, RRSPs and taxes

    Most employees get their bonus in February, a detail that matters when it comes to filing your taxes. “Employment income—salary or bonus—is taxable when paid,” says Jason Heath, a Certified Financial Planner and MoneySense columnist. “So, a February 2024 bonus is taxable in 2024, even though it may be tied to 2023 performance by the employee or the company.” 

    This can create an unfortunate mismatch, Heath notes. “Asking your employer to deposit your bonus directly to your RRSP can result in your full pre-tax bonus being invested right away. But watch out. If you do this in the first 60 days of the year, you get to claim the deduction on your previous year’s tax return. But the bonus is taxable in the year that it is received. Unless you do this every year, you could end up with a tax refund one year, but a balance owing the next year.”

    Using this year’s bonus as an example, Heath says that if you direct your February 2024 bonus into your RRSP pre-tax, you’ll get an RRSP receipt for 2023. This could result in a tax refund for 2023; however, the income will be taxable in 2024, with no tax withheld. 

    1. Pay off credit card bills and other high-interest debts

    If you have high-interest debt on credit cards or a line of credit, paying it down with a lump sum could save you hundreds of dollars in interest payments, notes Odetoyinbo. “A payment to your 19.99% credit card debt is one of the best returns you can get.”

    If you’re carrying a balance on one or more cards, use proven strategies to pay it down, such as switching to a low-interest credit card or balance transfer credit card—both can help slow the accumulation of interest. You could also explore consolidating your debt into a single payment plan. 

    2. Pay down your student debt

    Do you still have student debt hanging over your head? If you aren’t carrying any debts that charge higher interest (like credit card debt), consider putting your bonus toward your student loan. For the 2021–2022 academic year, the average Canada Student Loan balance at the time of leaving school was $15,578, according to Employment and Social Development Canada. It also notes that borrowers typically repay the money over nine and a half years—imagine slashing that by a year or two. 

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    Jaclyn Law

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  • Daily Routine Worksheet (PDF)

    Daily Routine Worksheet (PDF)

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    We are what we repeatedly do. Complete the “Daily Routine” worksheet to get a clear idea of what an average day looks like for you. Is there room for small changes?


    Download:

    Daily Routine Worksheet (PDF)

    Check out more self-improvement worksheets here!

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    Steven Handel

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  • You get very strange gifts when you work in a hotel

    You get very strange gifts when you work in a hotel

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    A guest of mine who I made a good impression on, apparently, decided to gift me this gold plated dollar bill. It’s legal tender in several places, honest to god, but I’m going to get it graded and then professionally framed and put in my office. With this and the Lions winning tonight, I’m doing pretty damn good lately.

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  • 25 of the Best Work Bags for Women That Don't Totally Suck

    25 of the Best Work Bags for Women That Don't Totally Suck

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    Finding the best work bags for women is no easy feat. It can mean different things to different people depending on where they live and work, their sense of style, and more. Some people want a bag that feels polished and office appropriate, while others will want to opt for a style that’s more durable and can fit something as big as a laptop. There are other factors to keep in mind like commuting, weather, and even details like if your purse is going to be on subway seats or your car’s front seat. 

    Regardless of your situation, the best work bags for women should have a few things in common—durability, construction, and, of course, they need to actually look good and will ideally be cool enough to wear to work and on the weekends. Long gone are the days of carrying an old tote bag that’s been taken through the wringer. It’s time to treat yourself to a handbag that can take you from the office to your late-night workout class. Whether you’re on the hunt for a designer option or something a little less stressful on your wallet, we’ve got you covered. We’ve curated a list of 25 of the best work bags for women, and after scouring the internet for hours and hours, we’ve been able to nail down the best of the best across a wide range of price points (we threw in some designer options), sizes (nothing too mini), and styles (all chic). To see and shop our edit of totes and shoulder bags at every price point, just keep scrolling.

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    Nicole Akhtarzad Eshaghpour

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  • Petal meets mettle: The volunteers who fly in every year to decorate Rose Parade floats

    Petal meets mettle: The volunteers who fly in every year to decorate Rose Parade floats

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    Just as the trees have begun to lose their leaves in Granite City, Ill., and fall begins to take on the early shades of winter, Victoria Boyd feels the pull of California.

    Just as the Santa suit goes off to the cleaners, boots polished and stored in the closet of his home in neighboring Madison, David Becherer feels the pull of California.

    But the California that the two longtime friends are drawn to is not a land of palm trees, blue skies and sunny waves on the beach.

    Instead it’s a land of glue and make-believe in a drafty warehouse next to the 210 Freeway in Irwindale, where pink flamingos are as tall as blossoming yuccas, butterflies have the wingspan of condors and lotus flowers are the size of hubcaps.

    Victoria Boyd, left, and David Becherer, who’s also from Illinois, work on a float at Fiesta Parade Floats in Irwindale.

    (Irfan Khan / Los Angeles Times)

    If they see the sun, it will be during a break. The beach is not on their itinerary, and if they’re looking for a moment of rest, it will be when they get back home.

    They have a job to do and a deadline to meet. Dec. 31 waits for no one, especially for volunteers like Boyd and Becherer who put in the 12-hour days and double shifts to complete the work on floats for the Rose Parade.

    They have made this annual pilgrimage from the frozen Midwest for more than three decades. As a former part-time florist, Becherer used to watch the parade on television, intrigued by the elaborate arrangements and the artistry piled on these rolling platforms, and when he learned he could be part of the spectacle, he jumped. Boyd soon followed.

    Her streak has been unbroken since 1987; he took a little time off to care for his family. Their devotion to this annual celebration of camp is unwavering, their commitment close to an obsession.

    Two women at Fiesta Parade Floats in Irwindale.

    “How long am I going to be doing this?” asks Victoria Boyd, left. “Well, as long as I can. I don’t think I can stay home. I don’t think I cannot be here.” She is pictured with an unidentified woman.

    (Irfan Khan / Los Angeles Times)

    “Unless I’m too tired and full of glue, I feel that I didn’t get my money’s worth,” said Boyd, 79, who sees no end to this tradition.

    “How long am I going to be doing this?” she asks. “Well, as long as I can. I don’t think I can stay home. I don’t think I cannot be here.”

    On Thursday afternoon, Boyd and Becherer, both former teachers, sit at a small table gluing minced safflower petals onto a string of Styrofoam beads as large as softballs that will soon be placed on the neck of a Hopi butterfly dancer rising from the middle of the float.

    They belong to a unique confederacy of nearly 1,000 volunteers who arrive each day at Fiesta Parade Floats, the last week of the year, to begin and end the meticulous and tedious task of chopping flowers, carting supplies, climbing scaffolding, spreading glue, and applying flowers, seeds, bark and spices to an unwieldy contraption of steel, plywood, burlap and polyurethane.

    Let others here and across the country take in the polish and perfection of the Rose Parade for a few hours on New Year’s Day. These workers prefer the weeklong company of like-minded devotees dedicated to bringing to life scenes spun from the imagination, from nature and storybooks, from fairy tales and myth.

    “We’re part of a cult that comes out here every year, and Dave and I are charter members,” said Boyd, who counts friends from Maine, Louisiana and Michigan. More than a tenth of the workforce arrives from out of state and out of country, some from as far as New Zealand and England, according to a spokesperson with Fiesta, and all on their own dime.

    Boyd estimates that she will spend about $2,500 this year — flights, motel, car rental — for the opportunity to work on these “magnificent, awesome” works of art and “to be out of the cold Midwest for a week.”

    “That’s a bonus too,” she said.

    Barbara Hill may not be a member of any decorating cult, but her dedication is no less intense. For three days last week, she climbed aboard the Torrance Rose Float Assn.’s yellow school bus at 7:45 a.m. for the hourlong ride to Irwindale.

    Volunteer float decorators at Fiesta Parade Floats in Irwindale.

    Barbara Hill, center, a resident of Torrance, has volunteered as a Rose Parade float decorator for 43 years. Petra Orozco, left, another volunteer, admires the patches on Hill’s jacket signifying the years she’s worked on floats.

    (Irfan Khan / Los Angeles Times)

    Hill, 72, a retired purchaser for Northrop Grumman (think F-18s and B-2s), decorated her first float in 1980, and today she’s focused on flying hummingbirds, having woven together grapevine and moss to create a nest as large as a hot tub.

    Though every detail of every float is scripted in advance — specifications listing material, texture and application — the volunteers are given leeway to make sure the execution is effective, the illusion believable. If it means modifying ingredients — and permission is granted — then so be it.

    Though this creativity appeals to Hill, the heart of the experience is the friendships, she said, that form over these few days.

    “That is the finest thing,” she said. “They assign you to someone whom you’ve never met, and you find a way to work together to get this float done. And in the end, we smile and say, ‘See you again next year.’ ”

    And when they do, they will reminisce over their successes and failures. Like the time they created the most realistic mane for a lion — cypress branches coated with paprika — or the time their shaggy dog made of pampas grass caught fire just minutes before the start of the parade.

    Or when they won the Sweepstakes Trophy — the parade’s top prize based on floral design, presentation and entertainment — as Boyd and Becherer’s float did last January for the sinuous red and yellow Chinese dragon and lanterns they crafted.

    A woman does detail work on a Rose Parade float in Irwindale.

    Victoria Boyd estimates that she will spend about $2,500 on her current visit to Southern California — flights, motel, car rental — for the opportunity to work on these “magnificent, awesome” works of art and “to be out of the cold Midwest for a week.”

    (Irfan Khan / Los Angeles Times)

    They’re hoping for a repeat and are feeling confident as they check out the competition.

    “We’re not so competitive, as we are territorial,” said Boyd, who looks at one float that seems far behind schedule. “I’m not sure how they’ll get it done in time.”

    But with only five floats in the Fiesta warehouse, the statistical sample is small. Thirty-six others — under constructed at sites elsewhere — will participate in the parade, each interpreting this year’s theme: “Celebrating a World of Music: The Universal Language.”

    At the moment, however, the language is more discordant: a steady din of voices amid sporadic sounds of vacuum cleaners, welding torches, hair dryers and blenders. The air smells of flowers tinged with the essence of glue, of which there are the three varieties — white, sticky and rubber. Boyd is well versed in each.

    Two volunteers apply cuttings of safflower on an ornamental piece for a Rose Parade float in Irwindale.

    Fellow Illinoisans Victoria Boyd and David Becherer apply cuttings of safflower on an ornamental piece for a Rose Parade float at Fiesta Parade Floats in Irwindale.

    (Irfan Khan / Los Angeles Times)

    Her fingertips are stained orange from crushed flowers stuck to the skin. She tries to wash it off, but the effort is futile. “After Day 3, my phone doesn’t recognize me because I no longer have fingerprints,” she said. “That is a badge of honor.”

    As she and Becherer finish their choker for the Hopi butterfly dancer, they get ready to start on a pendant and earrings. Boyd likes the detail work, though she would prefer to be handling whole flowers, not the shredded ones. She calls it “petaling,” the application of individual petals from carnations, irises, gladiolas and the like.

    “It’s more intricate,” she said, and under-appreciated because float designers “just haven’t seen a good petal job.”

    They know their work is ephemeral, that their efforts will age and wither and dry. “I try not to focus on that,” Boyd said. “It’s sad to think it doesn’t last.”

    But Becherer, the seasonal Santa, sees it differently. “It’s just like Christmas,” he said. “You enjoyed it when it was here, then it’s over and you get to start all over again in a year.”

    When their work is done, they might pitch in on other floats, but come Sunday, all volunteers at Fiesta disperse.

    Hill will head back to home in the South Bay, eager for a hot bath and a soft bed. She will wake up at 8 on New Year’s Day to watch the parade, making sure her float goes by without mishap, and then go back to sleep and wait 51 weeks.

    On Monday, Boyd and Becherer will head to the parade route to admire their handiwork. Like newcomers to the experience, they will sit in their chairs, possibly the bleachers, and exclaim when the Hopi butterfly dancer draws near.

    Rose Parade float volunteers chat during a lunch break in Irwindale.

    Victoria Boyd, center, David Becherer, left, and Gee Wong chat during a lunch break at Fiesta Parade Floats. “When we see our float,” said Becherer, recalling the feeling over the years, “we swell with pride. We let everyone around us know that we did that.”

    (Irfan Khan / Los Angeles Times)

    “When we see our float,” said Becherer, recalling the feeling over the years, “we swell with pride. We let everyone around us know that we did that.”

    For Boyd, nothing comes close to the Rose Parade. She has seen similar processions elsewhere — Louisiana, Oregon, New York City — but is spoiled by the size and scope and scale of what comes down Colorado Boulevard each year.

    “It’s beautiful,” Becherer agrees. “It brings a lot of people together, not only those watching from the street but everyone who worked on the floats. It’s a joy to be around people like that. There is so much division in this world today; no one can agree on anything. Now’s the time for people to come together.”

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    Thomas Curwen

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  • Metrolink service closes for four days, starting today

    Metrolink service closes for four days, starting today

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    The transportation system of Los Angeles has been beset by labor unrest, arson, presidential motorcades, civil disobedience and just too much traffic. But a four-day stoppage affecting train service this week is more mundane — and perhaps even beneficial in the longer run.

    Beginning today, Metrolink service will be suspended for maintenance and enhancements, capping a three-year modernization project.

    Trains will not run on any part of Metrolink’s six-county system through the end of Friday and will resume normal service on Saturday.

    The disruption was scheduled to coincide with a lighter period for those who commute to work — precisely unlike the disruption this month when demonstrators pressing for a cease-fire in the Israel-Hamas war blocked the 110 Freeway and then, later, blocked access to Los Angeles International Airport.

    “We scheduled this work on dates of historically low ridership and are working hand-in-hand with our transit partners to identify alternate transportation options for those who will be impacted,” Metrolink CEO Darren Kettle said in a statement.

    Metrolink has provided customers with alternative routing options on its website.

    Metrolink and other public transit systems have struggled to recover ridership since the COVID-19 pandemic — and a better, more efficient ride is part of the plan.

    “Placing our system temporarily out of service was necessary,” Justin Fornelli, Metrolink’s chief of program delivery, said in a statement. “This unique break in service will allow us to tackle state-of-good-repair projects across multiple lines.”

    Metrolink is operated by the Southern California Regional Rail Authority and serves Los Angeles, Orange, Riverside, San Bernardino, Ventura and North San Diego counties.

    The service is a major cog in a local public transit system that is trying to overcome problems that include inadequate regional coverage as well as crime and drug use.

    The required modernization work will restrict access in and out of downtown’s Union Station, the terminus for six of Metrolink’s seven service lines, as well as the agency’s Central Maintenance Facility, where passenger cars are cleaned and locomotives are serviced daily.

    The work will encompass replacing 1930s-era signal relay technology with a “state-of-the-art, microprocessor-driven signal system, allowing Metrolink to simultaneously run multiple trains on multiple tracks as they enter and depart,” the agency said. The increased capacity is expected to reduce delays and improve safety.

    Among other planned projects are repairing concrete on platforms, painting, cleaning canopies and gutters, adding more emergency lighting, and servicing high-voltage components.

    Teams also will replace rail on the curvy, mountainous Antelope Valley Line, reducing the need for “slow orders,” which can lead to delays.

    “By modernizing our rail network, we are preparing our system for the World Cup, Olympics and Paralympics,” the agency said.

    During the closure, Amtrak’s Pacific Surfliner will bypass Union Station entirely.

    “Passengers traveling to or from LAX can utilize bus connections from either Glendale or Fullerton, depending on the specific train they are traveling on,” Amtrak advised. “Bus seats are limited.”

    Union Station will not be in total shutdown. Other transit providers will continue to operate, including the L.A. Metro light rail and subway service, Amtrak bus connections, LAX FlyAway bus service and LADOT and municipal bus routes. Union Station restaurants and other businesses also will remain open.

    Metrolink has posted online a page with answers to questions riders are likely to have.

    The agency has secured $2.4 billion for recent and ongoing improvements — part of a $10-billion wishlist for priority projects. The Southern California Regional Rail Authority relies on local, state and federal funding sources for its projects.

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    Howard Blume

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  • Austin Pets Alive! | Special Holiday Announcement from Dr. Jefferson

    Austin Pets Alive! | Special Holiday Announcement from Dr. Jefferson

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    Zero is the kind of young, handsome, playful dog who is quickly adopted in most shelters. He has a smile that’ll make YOU smile, too.

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  • Say what?! 5 financial buzzwords we kept hearing in 2023 – MoneySense

    Say what?! 5 financial buzzwords we kept hearing in 2023 – MoneySense

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    1. Quiet hiring 

    First, there was the trend of “quiet quitting”: a disgruntled employee doing the bare minimum required for their role. Then there was “quiet firing”: an employer reducing a worker’s duties and training, subtly nudging them to quit. And then, in 2023, we saw the rise of “quiet hiring”: an employer looking to its existing employees to fill a skills gap or take on more responsibilities, rather than hiring someone new. Quiet hiring is typically a cost-cutting or cost-saving measure, but it can also be an opportunity for a staffer who wants to try something new, move up to a new role or stack their case to ask for a raise. Quiet hiring can also refer to outsourcing work to short-term contractors instead of hiring new workers. —Jaclyn Law

    2. Soft saving

    Facing high inflation, high interest rates, expensive housing and mounting debt, many young people are unsure if they’ll ever be able to retire. So, many Gen Zers are rejecting aggressive saving (see: the FIRE movement) and embracing “soft living”—prioritizing things like comfort, balance, personal growth and wellness. “Soft saving” is part of that. It’s a lower-stress approach to personal finance and investing that focuses on the present. That doesn’t mean Gen Z is spending recklessly—but some might see saving for retirement as more of a nice-to-have than a need. —J.L.

    Recommended savings reads

    3. Inflation isolation

    Is inflation dampening your social life? A November 2023 Ipsos poll found that the rising cost of living is causing “inflation isolation.” Half of Canadians are staying at home more often, and a third of us are socializing less to avoid spending money. As a result, 20% of us are feeling isolated. Pretty bleak, right? Plus, those of us who are struggling with debt are more likely to feel stress and anxiety, as well as cut back on seeing friends and family. If you’re experiencing feelings of anxiety, stress or depression, read our guide to finding free and low-cost mental health resources in Canada. —Margaret Montgomery

    Recommended inflation reads

    4. Housing-market nepo baby

    When I first saw this term in a recent Wealthsimple newsletter, I couldn’t help but laugh… and then I wanted to cry. “Nepo baby” refers to the child of a celebrity who has benefited from their parent’s success, wealth and name recognition. A nepo home buyer in Canada is someone whose parents already own a home and can help their kids afford a down payment for a home, according to some sources. Statistics Canada reports that “in 2021, the adult children (millennial and Generation Z tax filers born in the 1990s) of homeowners were twice as likely to own a home as those of non-homeowners.” Adult children whose parents owned multiple properties were three times as likely to own a home than those whose parents were non-home owners. —M.M.

    Recommended real estate and mortgage reads

    5. Recession core

    Move over, minimalism—recession core is here. Yep, that’s right, there’s a whole aesthetic inspired by living in a recession. Basically, this means going back to simpler styles and using items already in your wardrobe. Look, I get it. Minimalism might actually require you to spend lots of money on “clean” and refined-looking items, so that’s out of the question for many right now. Instead, many of us are looking for greater value when we shop—a habit that could pay off even after the economy improves. —M.M.

    Recommended thrifty reads

    We can think of several more financial buzzwords that were popular this year, from “tip-flation” to “funflation.” Will they still be talked about in 2024, or will they go the way of “YOLO,” “the new normal” and “The Great Resignation”? Only time will tell. We want to know which trendy money words you love and hate. Share your picks in the comments below, and then boost your financial vocabulary by checking out the MoneySense Glossary.

    More about financial literacy:




    About Margaret Montgomery

    Margaret Montgomery is MoneySense’s editorial assistant and MoneyFlex columnist. She studied business administration at Wilfrid Laurier University and journalism at Centennial College.

    About Jaclyn Law


    About Jaclyn Law

    Jaclyn Law is MoneySense’s managing editor. She has worked in Canadian media for over 20 years, including editor roles at Chatelaine and Abilities and freelancing for The Globe and Mail, Report on Business, Profit, Reader’s Digest and more. She completed the Canadian Securities Course in 2022.

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    Margaret Montgomery

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  • Core Values Worksheet (PDF)

    Core Values Worksheet (PDF)

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    Discover the essence of what really matters to you with our “Core Values” worksheet, guiding you to unearth, articulate, and harmonize your life with the fundamental principles that resonate at your core.


    This content is for Monthly, Yearly, and Lifetime members only.
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    Steven Handel

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  • 4 Japanese Concepts That Will Improve Your Well-Being

    4 Japanese Concepts That Will Improve Your Well-Being

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    Embark on a journey to well-being with these four profound Japanese concepts: Ikigai for purpose, Moai for community, Hara Hachi Bu for mindful eating, and Kintsugi for resilience. Discover insights to a healthier and happier life in the modern world by embracing the ancient wisdom of Japanese culture.


    Culture is a powerful force that influences the type of person we become. In the pursuit of well-being, different cultures can often teach us different lessons on what it means to live a good life.

    First, what is culture? The American anthropologist Edward T. Hall created the “Cultural Iceberg” framework to help us analyze the many factors that determine what a culture is. The theory illustrates that only 10% of culture is what we see (language, diet, music, fashion), while 90% of culture is hidden from us (beliefs, values, norms, and expectations).

    Here’s what the “Cultural Iceberg” looks like:

    cultural iceberg

    Generally we see the culture we grew up in as the default mode of being. This includes how people dress, what people eat, and what music they listen to, but also deeper aspects of life such as beliefs, values, morality, and how people approach life from a broader perspective.

    Culture, tradition, and social norms shape our map of reality, the choices we make, and how we navigate our world. If you’re raised in a society that only values materialistic goals like money, fame, or popularity, you’re naturally going to live a life in accordance with those values, especially if they go unquestioned.

    When we explore new cultures through traveling, reading, or meeting new people, we learn that there are many different ways we can approach life and the way we were raised isn’t necessarily the only way to live.

    One simplified but general way we can categorize different types of culture is Western vs. Eastern ways of thinking. Western cultures tend to be more individualistic, rational, and materialistic, while Eastern cultures tend to be more collectivist, holistic, and spiritual.

    Keep in mind, these are broad categorizations. Every country and culture is different. This also isn’t a judgment of “right” or “wrong” ways of thinking, but rather observing different personality types on a cultural scale.

    My experience from a Western perspective is that learning about various aspects of Eastern culture and philosophy (such as Buddhism, Taoism, or Confucianism) gave me a taste for different ways to look at the world and different perspectives on life that I otherwise wouldn’t have been exposed to.

    One popular country to look at is Japan which has a rich history, deep cultural roots, and long-held traditions that have been passed down over multiple generations. In this article, we’re going to cover four powerful Japanese concepts that provide universal lessons on how to live a healthier and happier life. Each concept reveals core values and beliefs that shape the way many Japanese people live.

    These powerful ideas include: Ikigai (“a reason for being”), Moai (“meeting for a common purpose”), Hara Hachi Bu (“belly 80% full”), and Kintsugi (“golden repair”). Now let’s dive deeper into each one!

    Ikigai

    a reason for being

    The Japanese concept of “Ikigai” is about finding a purpose in life. It directly translates to “a reason for being,” and it’s often described as the intersection between what you love, what you are good at, and what the world needs.

    Ikigai is a combination between intrinsic motivation (an activity you enjoy doing) and extrinsic rewards (an activity that creates value in the world and improves people’s lives). Psychology research has shown that ikigai is associated with elevated feelings of dedication, accomplishment, meaning, and fulfillment.

    This is in contrast to a lot of other cultures that just see work as a means to a paycheck or higher income, rather than reframing work as something that serves a higher purpose, both to yourself and society as a whole.

    Ikigai has been shown to benefit both physical and mental health. It can reduce stress and anxiety, which contributes to longer lives and less risk of cardiovascular disease and other ailments. In addition, ikigai is associated with greater resilience in the face of negative events. One interesting study found that ikigai helped people better cope with stress after an earthquake or natural disaster.

    Here’s a visual of what constitutes ikigai:

    ikigai

    If you can find activities that meet all of these requirements, then you’ve found your ikigai.

    Discovering your ikigai can take time and patience though. It involves careful introspection, understanding your strengths, passions, and talents, and finding ways to use those powers to fulfill the needs of the world.

    Once you find your ikigai, it’s important to align your daily activities with it if you want to build a more purposeful and meaningful life.

    Moai

    meeting for a common purpose

    Human connection is vital for our well-being, and the Japanese practice of “Moai” emphasizes the strength of communal bonds.

    Moai refers to a group of people who come together for a shared purpose, providing emotional, social, and even financial support. Often a moai includes family, friends, and neighbors within a local community. They will see each other frequently, talk and catch up on each other’s lives, and organize group activities such as game nights, fitness groups, music performances, or dance parties.

    This tight sense of community provides an important sense of belonging. It also comes with physical benefits like healthier lifestyles, exercise, social connection, and financial support if someone finds themselves in a tough situation.

    In today’s world, many people are suffering from loneliness and depression. One major cause of this is hyper individualism and atomistic lifestyles that no longer promote community values. Many Americans report having zero close friends and only 38% say they have “5 friends or more.” This is in stark contrast to the moai way of life which can often include 10-12+ lifelong friends.

    While there’s plenty of research showing the physical and mental benefits of social support, one of the most common examples of moai can be found in Okinawa, Japan, which has been identified as a “blue zone.”

    Blue zones are places around the world that are associated with better health and longevity. Often there are high numbers of centenarians in them (or people who have lived over 100). The recent Netflix documentary Live to 100: Secrets of the Blue Zones by public health researcher Dan Buettner has a great episode dedicated to Okinawa that shows how the moais work there.

    Many health professionals and experts are now claiming we are in a “loneliness epidemic,” with over 1 in 4 adults saying they feel socially isolated. This can have serious health consequences such as increased risk of anxiety, depression, heart disease, stroke, dementia, and overall shorter lifespans. The negative effects of loneliness have been compared to the effects of daily cigarette smoking.

    As communities continue to decline and feelings of social alienation increase, the moai mentality is needed now more than ever.

    Hara Hachi Bu

    belly 80% full

    In a culture often associated with healthy living and longevity, the Japanese concept of “Hara Hachi Bu” teaches us the art of mindful eating. Translated as “belly 80% full,” this practice encourages moderation in our meals.

    Obesity is a growing problem around the entire world. Recent reports show that 39% of the global population in 2023 is obese or overweight, and this is a sharp increase from 23.9% in 2008. If this trend continues, researchers predict that over half of the global population will have obesity by 2035.

    One factor in this rise in obesity is having abundant access to ultraprocessed foods, including the convenience of fast food and junk food. The modern diet is filled with supernormal foods that hijack our natural instincts for sugar, salts, and rich flavor, which is why many people end up over-eating during meals or late night binging.

    The lesson of Hara Hachi Bu is more relevant now than ever. By reminding ourselves to only eat until we are 80% full, we encourage slower and more mindful eating. This lets you enjoy your meal more by paying attention to each bite and savoring it, rather than quickly moving from one bite to the next without fully appreciating it.

    Many people eat unconsciously. Often it’s eating while watching TV/movies, checking their phones, scrolling social media, or socializing with friends. Their main focus is on one thing, while eating is just something happening in the background. These distractions can lead you to eat more than you otherwise would.

    Slowing down your eating will lead to less consumption, better digestion, and improved body awareness of how you respond to certain foods, the best times of the day to eat (or not), and what it feels like to be “50% full” → “80% full” → “100% full” → “110% full.”

    Adopting Hara Hachi Bu not only contributes to physical well-being by maintaining a healthy weight but also cultivates a mindful approach to eating that can lead to a stronger connection with the food we consume.

    Kintsugi

    golden repair

    Derived from the Japanese words “kin” (golden) and “tsugi” (repair), Kintsugi is the art of repairing broken pottery with lacquer mixed with powdered gold, silver, or platinum.

    Here’s what it looks like:

    kintsugi

    Instead of hiding the cracks and flaws, the practice of kintsugi embraces the broken parts by highlighting them in gold. It celebrates its imperfections, while at the same time making them stronger and more beautiful.

    Many find inspiration when applying this concept to their personal lives. It helps them to accept the challenges and obstacles they’ve had to face over the years – the physical, mental, and emotional battle scars – and see them as jumping points for growth and improvement.

    No one’s life is perfect. We all suffer from weaknesses, flaws, insecurities, and vulnerabilities. Our instinct is to hide them, ignore them, or deny them, but the paradox is that when we accept them is when we actually become stronger.

    Kintsugi promotes resilience, growth, and grit. It shows that no matter how many times you get broken, you can always repair yourself in gold.

    Conclusion

    Each of these Japanese concepts – Ikigai, Moai, Hara Hachi Bu, and Kintsugi – offers a kernel of wisdom that we can all apply to our daily lives.

    While these ideas are ancient, they are more relevant to modern living than ever before. Ikigai teaches us meaning and purpose, Moai teaches us social connection, Hara Hachi Bu teaches us mindful eating, and Kintsugi teaches us growth and resilience.

    Which concept do you need to embrace the most right now?


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    Steven Handel

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