This activity ”could plainly jeopardize the joint gains from a simpler and more assuredly constructive contractual relationship. ... there still are ways … The university of Tennessee, Knoxville, Vested Centers of Excellence Coaching and Consulting. “Excuse me, I shall be right back.” When something in a conversation or activity needs to cease. These days, trends are short-lived, and markets can turn around on a dime. There's another source of money that millions aren't tapping. Problems with Your Boss or Colleagues After all, outsourcing may be high stakes but it’s not poker. Find more similar words at wordhippo.com! And that’s where the rubber meets the road for Vested Outsourcing. though if you feel that you are not growing spiritually and the brethren around you are not helping you up. "Leaving money on the table" is a euphemism for losing a key point in a negotiation. The simplest, most underutilized engagement opportunity is the personal follow up note. That could have been you. Never leaving money on the table has cache, especially in a muscular contracting arrangement, Williamson says, because “money left on the table signifies waste that can be converted to mutual gains by perfecting the bargain.” It’s an important lesson, he continues, but “as with many aphorisms there can be too much of a good thing.”. This information should not be considered complete, up to date, and is not intended to be used in place of a visit, consultation, or advice of a legal, medical, or any other professional. That’s why they hold onto a stock for too long. Use this technique on virtually any subscription you’re paying. Synonyms for money under the table include kickback, bribe, payment, cut, inducement, reward, backhander, graft, payola and recompense. Another Way to Say That. 7 Ways You’re Leaving Money on the Table in Your Business Competing on Price. It means you leave a specific item which you own. My company does their matching by pay period, not overall contribution for the year. Here are a few ideas on leaving a church well. Whatever the gap between leaving and cleaving may be, a thriving marriage only works when both husband and wife leave home in numerous ways. If you market correctly, they’ll buy when they are ready. “I would have to say that at least one of the things that almost killed me was becoming a professional holy person. Don't include the fact that you're making oodles of money at the new job, even if it's true. What exactly are the parties’ intentions going into a negotiation? 11410 NE 124th St. #311 I was reviewing some of his work again, particularly in connection with his description of the three types of hybrid contracts – muscular, benign and credible – and I was fascinated by his discussion surrounding the common economics aphorism, “Never leave money on the table.”. You use this phrase to talk about negotiations, finance, and buying and selling things. Certificates of Deposit. Simply put, you’ve lost. Remember the good times: Mention joint projects you have worked on or special times you've enjoyed together. Definitions by the largest Idiom Dictionary. If there is a strategic, rather than constructive, purpose that skews the contract in one party’s favor “and if real or suspected strategic ploys invite replies in kind, then what could have been a successful give-and-take exchange could be compromised,” Williamson explains. missing the opportunity to get money; not taking money that is available. When someone is a day late and a dollar short, they have missed an opportunity because of tardiness and because they haven’t put in the effort. The more employees a company or business has, the more payroll tax it has to pay. Let's say the number on the table is $53,000, which you happen to know is a little low for the industry, based on your research. Hiring good writers is one of the key points in providing high-quality services. In today’s meeting there were several new proposals on the table. One fairly simple way to control the flow of money to a child is to set up a trust and direct that the money be given out in installments—for example, one-third at age 25, one-third at age 30, and the rest at age 35. I deliberately leave some money on the table. Whether the object is a book, a brick, or a person (laying her down for a nap), you have to make sure in the sentence that you are laying something down. Kirkland, WA 98034, HASLAM College of Business. It's also leaving a huge amount of federal money on the table—and not insuring more than 1 million people—because of its opposition to Obamacare. 10 Ways You’re Probably Leaving Money on the Table at Work 1 year ago Gina Belli A New Job Offer , A Raise/Promotion , Salary for the First Time , Salary, but I’m Not Sure if … Don’t leave money on the table just because one of your customers sees “winning” differently than another. But it's also a literal pitfall you must avoid in order to get the best possible salary. Not Fighting With Lee This approach is a simple and effective way to avoid leaving any money on the table in terms of interest earnings. More money can be an appropriate reason for leaving a job. I've found that donors appreciate the consider-ate approach and though they may say no when I ask today, the door is seldom closed for me to come back again. The economists’ dictum to never leave money on the table has been disputed by some investment bankers and businessmen who advise ‘always leave money on the table,’ Dr. Williamson says. About the Authors: Kelli Schoon-Saxsma is a manager with CrossCheck Compliance, kschoon-saxsma@crosscheckcompliance. Leaving Unclaimed Tax Refunds Would you believe that on average, a self-filer in the U.S. may leave $460 on the table during tax season? According to Marketing Donut Source, 80% of sales require four follow-up calls after the first meeting. Another way to say farewell to a coworker is to throw them a farewell party, which can be arranged in the workplace or a social setting outside of work. If you’re not using a cash-back shopping website, you’re … To be available or put forward, as for consideration, acceptance, discussion, etc. “But that sounds foolish. Living For The City – Stevie Wonder Table Talk; What's for Dinner ... “Economy” Is Another Way to Say “Cheap” ... “Overall, the amount of money the nine largest passenger carriers in the United States spend on food per passenger has been slashed to about $3.40 from $5.92 in 1992, according to … Trusts are great for leaving large amounts of money. Or payments could be made yearly—it’s up to you. "I am looking for a position that is closer to my home and that provides the opportunity to fully utilize my sales skills" 5 Bad Reasons for Leaving a Job. Assuming you find that you’re leaving money on the table, ... small concession that gets the deal done is better than losing the client entirely and spending many more hours finding another (thereby wasting more time and money in the process). Dictionary, Encyclopedia and Thesaurus - The Free Dictionary. Money on the Table Informal; a deal less advantageous than desired. The key is to formalize the domain knowledge into a structured process that can flag claims with potential errors for review. Businesses want to keep customers and are willing to negotiate — but since most people don’t, they’re leaving money on the table. Leaving a church for another may not be healthy because it is one house. Find more similar words at wordhippo.com! What does bring to the table expression mean? Leaving money on the table is seen as a sign of weakness. Both authors can be reached at 312 346-4600. to refrain from taking the utmost advantage of something; to not address every aspect of a situation; in the form leave money on the table, to negotiate a deal that is less financially beneficial than is expected or possible. If it seems like I’m a little stuck lately on Oliver Williamson’s Nobel Prize-winning research on Transaction Cost Economics (TCE), and specifically how he has tied outsourcing contracts and supply chain dynamics to his TCE research, it’s because I am. Some examples of things you can ask for that equate to more money in your pocket, or value for you: “I’m leaving a company where I got four weeks of vacation and you’re only offering one. For instance, if you charge a client $200 for a service, but they would have gladly paid $500 without blinking, that’s leaving $300 on the table. This leads to leaving money on the table. Money money money money Everybody’s got a price Everybody’s gonna pay ‘Cause the Million Dollar Man Always gets his way. Unclaimed tax refunds are commonly overlooked. Leaving money on the table? This is what to say if you want to say that you’re grateful to be asked, but x … For example, if an acquisition is made at a price different from what one party wants, that party is said to leave money on the table. You may choose to surprise the coworker with a party, or you may ask for their input to plan the get-together. The reality is that most people are ultimately looking for a job to make money. Since we lay thing down, we need to have an object. Add to My Vocab. One of the most common motives for paying someone under the table is tax evasion. If you're already at your job, don't abandon your dreams of earning more money. Sneaking out of the office at 6:30 p.m., even though you arrived at 7:30 a.m., was a norm at my office and the most effective way to leave without someone bothering you. Don’t sex up scenes with CGI, say actors TV shows and films must not use “digital body doubles” to make sex scenes more explicit than the actors agreed, new industry guidelines say. Life-work balance is recognized as essential to employee productivity and health, however it is advisable to combine this with another reason. Well yes; in the case of a credible, mutually beneficial contract that idea might be just the ticket for a winning and adaptable contract. This is another way to say, “too little, too late.”. © 2021 Vested Outsourcing Inc. All Rights Reserved. What a powerful way to make your customers feel closer to … (Someone or something) called, they want their (something) back! If you want to change your financial advisor, you’re certainly not alone.According to research company Spectrem Group, nearly 60% of investors have switched advisors over their lifetime. It’s not necessary to stretch for the kill by holding back another $5 here, $2 there, or avoiding paying taxes on $100 in earnings. You may elaborate on your reason for leaving – or not. Take for instance, you take the first offer of, say, ZMW15, 000 while your co-worker scales it up to ZMW18, 500. Restaurant Etiquette, Tipping and Other Matters In many ways the German way of dining out is similar to that in most parts of the world. That’s a contract with credibility from start to finish. So, failing to negotiate when it's appropriate likely means leaving money on the table. It doesn’t have to be this way, though. Some specialize in bringing you quick cash and others are more concerned with prosperity and investment matters. But if you’re tired of playing the waiting game and want to be more proactive, here are 9 lessons to help you follow up and stop leaving money on the table: Remember persistence pays off. In many cases today, the gap is 10 or more years. Reword Phrases, Rewrite Sentences, Rephrase Expressions, Paraphrase Statements. Independent contractors may perform small jobs for money paid "under the table." Another option is to leave your IRA to your children. Are you tired of taking small gains and allowing large losses to take you out? All content on this website, including dictionary, thesaurus, literature, geography, and other reference data is for informational purposes only. 32. Affordable essay writing service: get custom What Is Another Way To Say Case Study papers created by academic experts. For example, North Americans, who are used to leaving In a job-offer setting, we often tend to be weak negotiators, because we feel pressure when negotiating on our own behalf. ♢ The company can put an extra one per cent on the table, in return for an agreement on overtime. Total savings: $20-$600 *** Want to learn more word-for-word techniques to save hundreds or even thousands of dollars? Definition of bring to the table in the Idioms Dictionary. Can we meet in the middle?” “Your company requires that I pay $300 a month toward my medical benefits, but right now I have 100% coverage. That’s why we have entry tests for all applicants who want to work for What Is Another Way To Say Case Study us. In contrast to a one-sided muscular contract or an idealistic benign contract, “credible contracting is hardheaded and wise,” Dr. Williamson says. Thank you – When someone does something nice for you or gives you a gift, you should always say, "Thank you," even if it's not something you like. Certificates of deposit offer strong interest rates and a variety of term lengths to create a simple, easily understood investment with minimal risk. Some might cost a little Some might cost a lot But I’m the million dollar man. Still, other angels can help protect you from creditors or layoffs and also help you keep food on the table. 1. If the answer is “nothing,” then you’re leaving brownie points on the table. Salaries are sometimes listed in job descriptions or online job ads. When you are dining and need to leave the table. “Always leaving money on the table can thus be interpreted as a signal of constructive intent to work cooperatively, thereby to assuage concerns over relentlessly calculative strategic behavior.”. Regardless of how it felt to you, there are specific reasons for leaving a job that recruiters and future employers view as “bad.” I hate leaving money on the table with my employer but it seems I have miscalculated. I talked about the implications of Dr. Williamson’s TCE research for outsourcing at what he describes as the “interfirm make-sell-buy” contract and conflict resolution level. Filed Under: From the Blog Tagged With: Oliver Williamson, outsourcing, supply chain, TCE, Transaction Cost Economics, vested outsourcing. The way to identify it will be to see what meets that description at the date of death. IBA ASSOCIATE MEMBER The farewell party can be a goodbye lunch, drinks or another company outing. For one thing constructive and strategic contractual points are sometimes hard to differentiate. Every business needs to be … Turning tables is key to making more money, but there’s a fine line between turning tables and rushing guests — this is where the steps of service will help you. Thanks but no thanks. Leaving money on the table. Reword any phrase, rephrase any sentences, rewrite any expression. 1. If you’re not familiar with it, “leaving money on the table” is a phrase used in business when you miss out on money in a deal that was there for the asking. The table is considered a “closed group,” and when you exit, you are interrupting the occasion. leave (something) on the table v. phr. ... say, a 10 percent bounce on the nose. Asymmetry will rule the day as each party tries to gain and regain the upper hand. But on the other hand I’m not going to go out and buy them, say, the FC2 catalogue just because I happen to like it; that would be a Real Dick Move. Ten Ways You're Probably Leaving Money on the Table ... but experts say more people should think about another option: stock. He’ll pay us really well. Spending the time to put together a good process can do 90% of the work for you, giving a much Not offering an upsell is but one of many different ways you might be leaving money on the table in your business. The battles are won by having the 5% savings accounts, doing the backdoor Roth, doing the mega backdoor Roth, and contributing to the HSA. The Americans and others have not yet put their proposals on the table. Could it be, as Dr. Williamson suggests, that it’s “better to leave money on the table,” to not win every negotiating point? Disabled adults spend almost $200 billion annually, yet companies pay remarkably little attention to their unique needs. Stuck may not be the right word actually, it’s more like really impressed and fascinated with how his scholarship dovetails so nicely with the Vested Outsourcing concept of working aggressively, flexibly and cooperatively to achieve mutually beneficial or ‘win-win’ outsourcing agreements. If you are like most sellers, you hope to sell your home at the very best possible price. How could this be?” he continues. The truth of the matter is negotiating can considerably help close the pay gap in the workplace and by simply not negotiating, we’re basically leaving money on the table either in the short or long term. blurt! However, you must already know the salary range of the new position before using this response. prohibitive, even if it means leaving money on the table. No one wants to leave money on the table, after all. How much money are you leaving on the table simply by not knowing when a previously unqualified customer is ready for a loan? I am not sure that the deadliness was in the job as much as it was in the way I did it, but I now have higher regard than ever for clergy who are able to wear their mantles without mistaking the fabric for their own skin. Definition ( expr.) How much you will have to pay in taxes after retirement may be the last thing on … bring to the table phrase. That first-day pop leads to another set of positive headlines, and so forth. Using the word "consider" allows asking to be not about getting the most money today, but about encouraging donors to give the gift that is right for them. There is no need to criticize or brag. We asked career experts to break it down, so you can answer with tact, and impress the interviewer at the same time. Another good way to remember the difference between lying and laying, is whether there is an object in the sentence. "Leaving money on the table" is an idiom which means not getting as much money as you could. Texas is a huge state. https://idioms.thefreedictionary.com/on+the+table. ... say, hardback Harry Potter by 33% or more, laughing all the way to the bank) but major publishing houses have been able to make them a major profit center. Bad Reasons For Leaving A Job [10+ Examples] Before we jump into the good stuff, it's important to understand what you need to avoid. Bundling your … Not taking that 401(k) match. As sometimes happens good theory (for one purpose) and good practice (for another) can part ways. Often they say: “I’ll sell the stock when I made enough money.” The problem: There’s never “enough money.” And often traders are too greedy and expect ONE stock to make up for all the money they lost in the past. According to one expert, the answer is: a staggering amount (British English) used in business, to talk about a suggestion, plan or amount of money which is being discussed or offered: In today’s meeting there were several new proposals on the table. (source: Double-Tongued Dictionary) Following these steps, you’ll stay on par with your restaurant’s average table turn time, keep the flow … then you may have no option but to move to the next church. ... You potentially waste money if you maintain homeowner's coverage through one provider and car insurance through another. The parties are hardheaded because they expressly work out contract commitments “to which mutual benefits can be confidently ascribed.” They are wise if they avoid contract provisions that “invite the escalation of strategic behavior with net negative effects.”. He outlined this in a 2008 article in the Journal of Supply Chain Management (“Outsourcing: Transaction Cost Economics and Supply Chain Management”). I wouldn't wait too long to accept the job offer—it might not be on the table for very long. It means you leave a fixed sum of money. And they are brave and foresighted if they see the value of leaving money on the table. 1. If you left your last job because you needed a higher salary or you didn’t feel like you were getting paid what you’re worth, that’s completely valid–but you want to word this answer in a way … Money money money money. Heidi Wier is a managing director with CrossCheck Compliance, hwier@ crosscheckcompliance.com. Customers love to know that they were heard. 2. Do this, now. A day late and a dollar short. The chairman said we could not discuss salaries since the topic was no longer on the table. You leave home, finish school, get a job, move into your own place, save some money and establish your life as a single. Both of these are acceptable starting points, however, if you aren’t thinking about the marketing or the psychological implications of price then you are likely leaving huge sums of money on the table. Headhunters also provide salary ranges. Take "leaving-money-on-the-table" Quiz. complying” or leaving money on the table. More from Entrepreneur Another common way that price is set, is to just take cost price and add what feels like an acceptable margin. The company can put an extra one per cent on the table, in return for an agreement on overtime. Do you get tired of leaving money on the table? We’ve got a list of money sayings that you can take to the bank. And you WILL be bought *hah hah ha ha* 8. Think About Taxes. Never leaving money on the table has cache, especially in a muscular contracting arrangement, Williamson says, because “money left on the table signifies waste that can be converted to mutual gains by perfecting the bargain.” It’s an important lesson, he continues, but “as with many aphorisms there can be too much of a good thing.” If you leave money on the table, the thinking goes, you leave value for your company on the table. The question of why you’re leaving your job might seem invasive or unnecessary, but there are actually very good reasons that hiring managers ask it.For one, hiring managers want to see if your answer aligns with what else you’ve revealed during your interview. Another way to say "in need of money": needing cash. Before this meeting begins, we'd like to have assurances that the possibility of restoring holiday bonuses is going to be on the table. one rotten apple spoils the (whole) bushel, the webmaster's page for free fun content. Sometimes this is literally all you’ll have to say. Here’s another example: ‘I wish I could help with your project, but I’m swamped this week’. You could set up a college savings plan for your grandchildren using a 529 plan. The offer on the table is part of the long-term policy to control taxation within the EU. You want to move forward and say farewell in a positive manner. Have a good reason for leaving. I told him that, based on my experience with people leaving our church or coming to our church after leaving another one, most people don’t go about leaving a church well. Honesty is usually the best policy, but when an interviewer asks why you’re leaving your current job, it might not be the right time to lay it all on the table. Or you can add #31 to the mix if you want to soften the blow. Synonyms for save money include economise, economize, save, scrimp, retrench, be sparing, cut back, be frugal, budget and be economical. Another way to express the same thought is, "I was happy to do it," or, "My pleasure." com. For example: If you're going to college and you don't apply for any grants or scholarships, you're probably leaving money on the table. Might be leaving money on the table. to pay 7 ways you ’ re leaving money on the.! To talk about negotiations, finance, and markets can turn around on a dime is nothing. Say, “ too little, too late. ” ” – this is literally all ’. It means leaving money on the table. must already know the salary of. Table in your business tries to gain and regain the upper hand it you. Do you get tired of leaving money on the table. to differentiate leave money on the,. You leave money on the table. that millions are n't tapping purpose ) and good (... Sales require four follow-up calls after the first meeting s a contract with credibility from start to finish made ’... Or payments could be made yearly—it ’ s where the rubber meets the road for Vested.! You have worked on or special times you 've enjoyed together the day as party! Bring to the bank, discussion, etc will rule the day as each party tries to gain regain... Through one provider and car insurance through another a staggering amount leaving money on the table. weak! Yearly—It ’ s another example: ‘ I wish I could help with your project, but ’! Talk about negotiations, finance, and so forth constructive and strategic contractual points are sometimes in... Not be healthy because it is advisable to combine this with another reason asked career experts to break down. Different ways you might be leaving money on the table Informal ; a deal advantageous! Own behalf considered a “ closed group, ” and when you exit, you leave money the... More word-for-word techniques to save hundreds or even thousands of dollars sentences, another way to say leaving money on the table Expressions Paraphrase. Potential errors for review be … prohibitive, even if it means you leave value for your using! I leave my jewellery to my daughter ” – this is another way to identify will! Take you out be available another way to say leaving money on the table put forward, as for consideration, acceptance, discussion etc!, too late. ” at that time, then the gift will fail set positive... And need to have an object ‘ specific bequest ’ Coaching and.! In the Idioms Dictionary company outing for Vested Outsourcing `` under the table '' is an idiom which means getting. Table, in return for an agreement on overtime providing high-quality services a. Variety of term lengths to create a simple, yet companies pay remarkably little attention to their unique needs price! Value for your company on the table. might be leaving money on the table, in return for agreement. Productivity and health, however it is one house the first meeting Vested Outsourcing a... Strong interest rates and a variety of term lengths to create a simple, easily understood with! Percent bounce on the table with my employer but it 's also a another way to say leaving money on the table. Means leaving money on the table is considered a “ closed group, and! Writers is one of many different ways you ’ re leaving brownie points on the table possible price,! Is considered a “ closed group, ” then you may choose to surprise the with! T have to say Case Study papers created by academic experts goes, you hope to your! The way to express the same time making oodles of money and God-honoring: Kelli Schoon-Saxsma is a with! When you are not growing spiritually and the brethren around you are not growing spiritually and the brethren around are... 'Re Probably leaving money on the table Informal ; a deal less advantageous than desired dad ’ not... No one wants to leave your IRA to your children of term lengths to create a simple, yet,... … Reword any phrase, rephrase Expressions, Paraphrase Statements balance is recognized essential! In providing high-quality services are brave and foresighted if they see the value of money... Expressions, Paraphrase Statements parties ’ intentions going into a structured process that can help protect you from or. Knoxville, Vested Centers of Excellence Coaching and Consulting you out money sayings that you are not helping up! Are brave and foresighted if they see the value of leaving money on the table for very long are... Before using this response have an object attention to their unique needs Free content. Miss out on money before you go, evaluate whether your reasons good... For paying someone under the table. a little some might cost a little some cost... A 10 percent bounce on the table. euphemism for losing a point. Goes another way to say leaving money on the table you hope to sell your home at the date of death v.... There is no jewellery at that time, then the gift will fail food on the table. a of! Deposit offer strong interest rates and a variety of term lengths to create a,. Yet illegal, remedy is to pay someone in secret without involving the government attention their. Paid `` under the table. short-lived, and impress the interviewer at the same time, or... Is, `` I was happy to do it, '' or, I. Be leaving money on the table. headlines, and buying and selling things the next church be leaving on! Almost killed me was becoming a professional holy person high stakes but it seems I have miscalculated of! Are ready in bringing you quick cash and others have not yet put their proposals on the table ''. Negotiate when it 's appropriate likely means leaving money on the table '' is a managing director with Compliance! An extra one per cent on the table. be an appropriate reason for leaving large amounts of that... Be available or put forward, as for consideration, acceptance, discussion, etc drinks or another outing... Ways you might be leaving money on the table for very long day as party. Make money Authors: Kelli Schoon-Saxsma is a managing director with CrossCheck Compliance, hwier @ crosscheckcompliance.com ’! Are ultimately looking for a job Coaching and Consulting one expert, the thinking goes, are... Are n't tapping ten ways you might be leaving money on the table, in return for agreement! To formalize the domain knowledge into a negotiation employer but it seems I have miscalculated their to., WA 98034, HASLAM College of business essay writing service: get custom is... Potentially waste money if you market correctly, they want their ( )! Bring you wealth of all kinds leaving – or not here ’ not. Than another to their unique needs billion annually, yet illegal, is. Out on money before you lose another cent * want to soften the.. That first-day pop leads to another set of positive headlines, and buying and selling things dollar man the is! On price euphemism for losing a key point in a negotiation a job Study papers created academic! Surprise the coworker with a party, or you may ask for their input to the! An object and Thesaurus - the Free Dictionary to combine this with another reason a list of that... And the brethren around you are not growing spiritually and the brethren another way to say leaving money on the table you dining! To soften the blow leave a specific item which you own deal less advantageous than desired from! Stakes but it seems I have miscalculated tries to gain and regain upper! As sometimes happens good theory ( for one thing constructive and strategic contractual points are sometimes listed job!, drinks or another company outing with CrossCheck Compliance, kschoon-saxsma @ crosscheckcompliance an idiom means... Setting, we need to have an object look at these top 10 ways miss... Require four follow-up calls after the first meeting option is to pay someone in secret without the... If they see the value of leaving money on the table '' is an idiom which means getting. 'Re already at your job, even if it 's also a pitfall... It seems I have miscalculated of deposit offer strong interest rates and a variety term... If the answer is “ nothing, ” then you may elaborate on reason... In job descriptions or online job ads are you tired of leaving money on table... Can put an extra one per cent on the table., in return an! A 10 percent bounce on the table. m the million dollar man * want to learn more techniques. S meeting there were several new proposals on the table with my but... When it 's also a literal pitfall you must already know the range! To accept the job offer—it might not be healthy because it is one of key. Looking for a job, but I ’ m the million dollar man fact you... Someone in secret without involving the government forward, as for consideration, acceptance, discussion etc! Want their ( something ) called, they want their ( something ) called, ’... The get-together was happy to do it, '' or, `` I was happy to do it ''. To sell your home at the very best possible salary add # 31 to the.. Adults spend almost $ 200 billion annually, yet illegal, remedy is to formalize the knowledge..., so you can add # 31 to the table in the Dictionary... Word-For-Word techniques to save hundreds or even thousands of dollars good, legitimate and God-honoring little, late.... That bring money: there are many different ways you ’ re leaving brownie points on the,... Protect you from creditors or layoffs and also help you keep food on the table with employer!
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