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So much talk about recession …

The third quarter of 2019 was a storm before 111 thecalm.Attitudescanchangeasfastas theweather,can’tthey?

InJuly,theUnitedStatesstockmarkethitall-timehighsand10-yearU.S.Treasurybondyields(interestpaidbythepriceofthebond)stabilized.Allwasrightwiththeworld.

ButinAugust,attitudeschangedas30-yearU.S.Treasurybondyieldsfelltoanewrecordlow,and10-yearyieldsinchedup.Whatthismeansisinvestorsareflockingtoinvestmentstheythinkare“safe,”andthey’rebiddingupthepricesomuchit’sdrivingtheyielddown.They’repayingmoreandmoreforlessinterest,justforthefeelingthatthey’llgettheirmoneyback.

WhydoesanybodycareaboutTreasuryyields?Well,biginvestorsseethosegovernmentbondyieldsastheultimateeconomicindicator.TheythoughttheAugustplungemeanttrouble,andarecessionwouldberightaroundthecorner.ThentradetensionsescalatedbetweentheU.S.andChina.Plus,theU.S.stockmarketbouncedaroundover10daysinAugust,whichwasthemostgloomymonthsinceFebruary2018.

So where are we now?TradeconflictsandtariffsbetweentheU.S.andChinaaremakingbusinessleadersnervous.Andwhenthey’renervous,theytendtoholdoffspendingonbig-ticketitemslikenewequipmentornewfactories.Thinkaboutit:Whybuildafancynewmachinetohelpyourcompanyproducemoreifyou’renotsurewhatdemandwillbenextyear?

ButtherearesomepositivesaroundahealthyU.S.jobmarketandbusinessingeneral,bothofwhicharestabilizingfactorsforaneconomy.

•Therehavebeenfewlayoffannouncements,evenwiththecurrenttradeconflicts.•Claimsforunemploymentbenefitshaven’tgoneup.•Americanworkersareseeinghigherpaychecks.Andhigherpaycheckstend tomeanmoreconsumerspending,whichpushestheeconomyforward.•Second-quartercorporateprofitswereup. •Whenbusinessesaremakingmoney,they’relesslikelytostartcuttingback.

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•Plus,theU.S.andChinaannouncedsomerelaxation ontradetensionsinmid-September,whichmight meanthingsarelookingup.

There are other positive signs, too.

•Consumerspendingisrobustandappearsontrack forastronggainthisquarter.•Bankloansarerising.That’sgoodnewsbecause peopleandbusinesseswon’ttakeoutnewloans ifthey’rescaredaboutthefuture.•Gaspriceshavefallen,whichhelpspersonal(and business)budgets.•Householddebtisn’toutofcontrol.That’sagood signbecausepeoplewithlowerlevelsofdebt havemorefinancialflexibilityincasethere’sa downturn.

PAYROLL

KEY CHANNEL PARTNER OF THE

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KeyHR is the KEY to Your SuccessHowsuccessfulcouldyoubeifyoucouldfocusonwhatyoudobest?It’saquestionworthasking.AndwenotonlyHAVEtheanswer...WeAREtheKey!

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Ourrelationshipwiththesecompanieshelpsbusinessownersreducecosts,savetime,optimizetheirworkforce,increaserevenueandminimizerisk.Ifyourcompanyneedstosavemoney,addresscomplianceissues,improveefficienciesandincreaseproductivity,wehavethesolutions.

Ifyourcompanyneedstosavemoney,addresscomplianceissues,improveefficienciesandincreaseproductivity,wehavethesolutionsandthekeytoyoursuccess.

TrustKeyHRtoprovideyouwith...•Accesstomoreserviceprovidersthanany otherbusinessofourkind•SpecialistsineveryareaofHumanResources•Solutionsforcompaniesatallstagesof development–fromstartupstofullymature•Afirmcommitmenttostaycurrentonthe lawsthataffectyourindustryandbusiness•Savingsfrom20to40percentoffyour bottomline

Itcouldbeoneofthesmartestbusinessdecisionsyouevermake!

Let’s Talk Turkey: Thanksgiving Kitchen Safety Tips

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HUMAN RESOURCES

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Thanksgivingisoftenthekickofftotheyear-endholidaycelebrationseason.Ifit’syourturntohostThanksgivingdinner,youmayfeelalittlebitofpressuretodeliveramealwhereeverybodyiswellfed.Alittleplanningandpreparationcanhelpmakesurethatnothingpotentiallyruinsyourfestivemeal.

Reconsider Using a Turkey Fryer Somepeoplelovethetastygoodnessthatcancomefromdeep-fryingaturkeyinoil.ButtheNationalFireProtectionAssociation(NFPA)advisesagainstgas-fueledturkeyfryerssincetheymayposeadangerforburnsfromhotoilandmayalsobeafirehazard. Theyalsowarnofthepotentialdangersanddoesnotcertifyanyturkeyfryers.ULdoesofferthefollowingsafetytips,however,forthosewhomaystillprefertocooktheirbirdsthisway:

•Alwaysuseturkeyfryersoutdoors,awayfrombuildings,decksandanythingelsethatmaycatchfire.Neverusetheturkey fryerinthegarageorindoors.

•Standthefryeronalevelsurfacetoavoidaccidentaltipping.

•Keepkidsandpetsawayfromthefryer.

•Neverleavethefryerunattended.

•Makesuretofullydefrosttheturkey.Neverputapartially frozenturkeyintohotoil,asiceandwatermaycausetheoil tospilloverandcatchfire.

•Haveanall-purposefireextinguishernearby.Neverusewater onagreasefire.

Prep Food Safely for Happy Stomachs Nobodywantstobethecookwhosendsthefamilyandfriendshomewithacaseoffoodpoisoning.Andforsomeofus,Thanksgivingmaybetheonlydaywecookawholeturkey.Herearesomecookingtipstoremember,thankstoFoodSafety.gov:

•Defrostingaturkeyintherefrigeratorisbest.Butitalsotakeslonger thanyoumaythink:24hoursforeveryfourtofivepounds.That meansa20-poundbirdmaytakeroughlyfourtofivedaystothaw.

•Cookingtimesmayvary.Aturkeyisgenerallydonewhentheinternal temperaturereachesatleast165degreesFahrenheit.Useameat thermometerandchecktheinnermostpartofthethighandwing andalsothethickestpartofthebreast.

•It’susuallysafertocookyourstuffingseparatefromtheturkey. Butifyouinsistoncookingyourstuffinginsidethebird,besure thetemperatureofitisalso165degreesFahrenheit.

•Remembertothoroughlydisinfectanysurfacesthatmayhave touchedrawpoultrytohelppreventpossiblesalmonella contamination.Also,washyourhandsoftenwhilecooking.

Prevent Kitchen Mishaps SomeThanksgivinghostsdon’twantanybodyelseinthekitchen,whileothersmayenjoypreppingthefeastwithfamilyandfriendsaround.Eitherway,helpkeepyourcookingspacesafewiththesetipsfromtheNFPA:

•Unplugsmallappliances,suchasfoodprocessorsandblenders, whenthey’renotinuse.

•Don’tleavecordshangingfromcounterswherechildrencan pullthemorpeoplemaytripoverthem.

•Neverleavethekitchenunattendedifyouhavesomething cookingonthestove.

•Neverleavethehouseunattendediftheturkey,oranyother sidedishes,arecookingintheoven.

•Ifsomebodydoesgetburned,buttheirskinisnotbroken,soak incool(notcold)waterandthencovertheburnwithadry, sterilebandage. FollowingthesesuggestionsmayhelpkeeptheThanksgivingmealmorefestiveandsafeforyouandyourlovedones.

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The Only Thing That Will Change is Your Bottom Line

Worker’sCompensationisacriticalbusinessissue.Ifyouhaven’tthoughtmuchaboutit,chancesareit’scostingyoutoomuch–andifanincident happens,itcancostyoualotmore.

KeyHRwillworkonyourbehalfindealingwithpremiums,claims,regulatorsandinjuredworkerstoensurethebest possibleoutcomesforyour business,youremployees, andyourbottomline.

Letushelpyoueliminatesur-charges,premiumdeposits,audits,modifiersandsometimesdownpayment&loweroverallworkers’compensationcostinallfacetsofcoverage.

Our PEO Services offered include:

• Payroll • Benefits • Workers’ Compensation • Human Resources • Risk Management

TogetmoreinformationonaPEOclickhere:http://keyhro.com/peo

Want Better Employee Heath? Help Them Get Better Sleep.

issue17|november2019

EMPLOYEE BENEFITS WORKERS’ COMP

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Chancesarethereareemployeesinyourworkplacerightnowbraggingabouthowtheycangetbyonfourtosixhoursofsleep.Theymayneedtofindsomethingelsetobragabout.Theymaythinkthey’regettingby,butalackofsleepcausesawiderangeofchangesinthebody,bothphysicalandmental.Beyondthereducedproductivityandincreasedburdenonhealthcareexpenses,thesechangescanaffectyouremployeehealthindramaticways,includingcausingprematuredeath. HOW LONG SHOULD YOU SLEEP? A2010articlecovering16yearsofresearchand1.3millionpeopleconcludedthatbothtoolittleandtoomuchsleepcanserveassignificantpredictorsofearlydeath.Thosewhosleptlessthanfivetosevenhoursanightwere12%morelikelytodieprematurely.Andthosewhosleptmorethaneightorninehourswereatanevenhigherrisk:30%.Thesweetspot?Seventoeighthourspernight. HEALTH RISKS FROM INSUFFICIENT SLEEP Studyafterstudyhasfoundthatsleepissuesarelinkedtoeverythingfromweightgaintohighbloodpressuretodiabetes.ThewebsiteHealthlinerecentlydescribed10majorareasaffectedbytoolittlesleep. • Memory-Alackofsleepcanaffectbothshort-termandlong-termmemory. • Mood-Toolittlesleepcandomorethanmakeyoumoody;itcanleadtoanxietyordepression. • Thinking & Concentration-Itisimportantforcreativity,concentrationandproblem-solvingskills. • Accidents-Drowsinessanytimebesidesnighttimecanleadtofalls,caraccidentsorworse. • Immunity-You’remorelikelytogetacold,thefluoralmostanythingelse. • Blood Pressure-Lackofsleephasbeenshowntoincreaseriskforhighbloodpressure. • Diabetes-Yourbody’snaturalreleaseofinsulinisaffected,raisingyourbloodsugarlevels. • Weight-Chemicalsinyourbraingooffbalance,leadingtoovereating. • Sex Drive-Inmen,itmayleadtoadropintestosteronelevels–andareducedsexdrive. • Heart Disease-Increasesreleaseofthechemicalsthatleadtoinflammation. WHY CAN’T YOU SLEEP? Reasonsforpoorsleepvary.Theremaybephysicalfactors,such as sleepapnea,orissuesrelatedtoyoursleephabits.Sleepapneacanbeaveryserioussleepdisorderaffectingboththequantityandqualityofsleep.Ifyousnorewhenyousleep,it’slikelythatsleepapneaisafactorandyoushouldgetmedicalattention.Sleepapneahasbeenlinkedtoobesity,heartdisease,highbloodpressureanddiabetes.However,poorsleepcanoftenbetracedtobadsleephabits.Makingthesepositivechangescanimproveyoursleepandhaveagreateffectonimprovingyouroverallhealth.Herearethefourapproachestheysuggest: Quantity or Quality? Suggestionsforimprovingyourquantityofsleepincluderelaxingbeforebedtimeormeditating.Reducingnighttimelightexposureandeliminatingcomputerandsmart-phoneusagewithinanhourofbedtimemayalsohelp.Youshouldalsoavoideatinghigh-fatorhigh-sugarfoods,anddrinkingsweet,caffeinatedoralcoholicbeveragesshortlybeforebedtime. Sleep as a Skill Tryandlearnnewroutinesandhabitsuntilyoufindwhatworksbestforyou. Find Your Inner Child Formostpeople,theirbestsleepingexperienceswereasachild.There are, ofcourse,goodreasonsforthat–besidesthelackofadult-worldstress.Youhadmoreconsistentsleepschedules.Yourparentsmayhavereadtoyoubeforebedtime.Youmayhavelistenedtomusic.Goaheadandfindyourinnerchild–andchildhoodsleepstrategies.Itcouldmakeabigdifferenceinyouradultsleeppatterns. Check Your Attitude Don’tthinkofsleepasawasteofyourvaluabletime,orsomethingthatgetsinthewayofyourproductivity.Asyou’vereadinthisarticle,sleepiscrucialforgoodphysicalandmentalhealth.Itshouldbetreatedassomethingvaluableandaprecioustimeinyourlife.Infact,agoodnight’ssleepisthemostimportantthingyoucandoforyourhealthandhappiness.

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