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Most tool manufacturers offer three or more quality levels, and even as an amateur or hobbyist, you don t want the lowest level. (You ll likely spend more money replacing cheap tools than you will investing in quality ones.) Consider buying a few good tools, rather than a bunch of cheap tools you ll end up replacing after your first project. 

Some employers also offer limited benefits to replacement or temporary employees. Legally required benefits typically account for 9 to 12% of total payroll, with workers compensation alone accounting for 1.5 to 2.5%. With indirect costs such as overtime pay for other employees filling in, hiring temporary employees, or using outside contractors costing up to 7% of payroll, accident prevention can save organizations money. 

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