According to an article in today's Wall Street Journal, Americans had $31.6 billion in overdraft charges in 2011.
I looked up the population in 2011. According to the Census Bureau in mid-2011 the population of the United States was 311,800,000.
Big numbers for sure. I decided to make it smaller.
When I divide the amount spent on overdrafts by the population I find that the average American spent $101.35 on overdraft charges in 2011.
So the population of a company or a community of 450 people would on average have spent $45,606 just on overdraft charges
The population of my city of 56,000 people spent $5,675,432, again just on overdraft charges.
Often in safety marketing we are told the average cost of a worker's comp claim and in the same ad we are being offered membership in some organization, the sale of a class, or maybe the sale of a book. There is no clear-cut connection other than the implication of how much money can be saved by making that purchase.
Do these marketers not understand that we have Workers' Comp insurance so that we do not have to pay the claim? Have they no other benefit to offer?
There are many other tradeoffs to achieve safety.
The Cowboy Safety concept is to do just that with a variety of measurable safety problems that are unique to a given community. If you like you can do it yourself and maybe better than hiring it out. Let me give you an example of that.
I cannot count the calls I have had asking for "getting certified in forklift safety." I tell them there is no such thing. They are puzzled. "Maybe you mean having someone who has never driven a forklift give you a four hour class on the third Thursday in July if at least 12 people show up?" One of the things that person will "teach" you is that no one can operate a forklift until they have had certain training. So you will know that new hires will have to sit around until the next class can be given.
After pulling their chain for a bit I tell them that they can go to the internet and easily get directed to the OSHA CFR for 1910.178 for Powered Lift trucks. For some reason OSHA does not call them forklifts. Starting with 1910.178 paragraph L (lower case) there is all that one needs to know about forklift training. Do that and then have the best forklift driver on staff do all of the hands on part. What's better is that new hires can be compliant.
The Cowboy Safety concept is a way to "git er done."
David Sneed
I looked up the population in 2011. According to the Census Bureau in mid-2011 the population of the United States was 311,800,000.
Big numbers for sure. I decided to make it smaller.
When I divide the amount spent on overdrafts by the population I find that the average American spent $101.35 on overdraft charges in 2011.
So the population of a company or a community of 450 people would on average have spent $45,606 just on overdraft charges
The population of my city of 56,000 people spent $5,675,432, again just on overdraft charges.
Often in safety marketing we are told the average cost of a worker's comp claim and in the same ad we are being offered membership in some organization, the sale of a class, or maybe the sale of a book. There is no clear-cut connection other than the implication of how much money can be saved by making that purchase.
Do these marketers not understand that we have Workers' Comp insurance so that we do not have to pay the claim? Have they no other benefit to offer?
There are many other tradeoffs to achieve safety.
The Cowboy Safety concept is to do just that with a variety of measurable safety problems that are unique to a given community. If you like you can do it yourself and maybe better than hiring it out. Let me give you an example of that.
I cannot count the calls I have had asking for "getting certified in forklift safety." I tell them there is no such thing. They are puzzled. "Maybe you mean having someone who has never driven a forklift give you a four hour class on the third Thursday in July if at least 12 people show up?" One of the things that person will "teach" you is that no one can operate a forklift until they have had certain training. So you will know that new hires will have to sit around until the next class can be given.
After pulling their chain for a bit I tell them that they can go to the internet and easily get directed to the OSHA CFR for 1910.178 for Powered Lift trucks. For some reason OSHA does not call them forklifts. Starting with 1910.178 paragraph L (lower case) there is all that one needs to know about forklift training. Do that and then have the best forklift driver on staff do all of the hands on part. What's better is that new hires can be compliant.
The Cowboy Safety concept is a way to "git er done."
David Sneed
