Archive for April, 2018

Daycare Hunting: 3 Essential Questions

Children enjoying daycare“Choosing a daycare is one of the most important decisions that a parent is going to make,” says Linda Anderson, the senior director at the National Association for the Education of Young Children (NAEYC) Academy. And she couldn’t be even more right.

Parents need to look for a daycare center that meets the highest of standards if they want their child to grow up right. With many Phoenix daycare centers out there, however, it’s possible to be overwhelmed. To help you get through this challenging task, here are some important questions to ask:

1. Where do you start looking?

A good starting point is the recommendations of friends and family members. If that isn’t enough, roam around the neighborhood and look for a daycare center in your area. This makes more sense, as it’ll be convenient for you and your kid. If you want a more efficient search online, narrowing down your options is ideal. Choices in child care differ — there are formal child care centers, family day care, and in-home care. Know your and your child’s preferences first then start browsing.

2. What should you look for in a daycare?

The first thing you need to be on the lookout for when visiting a potential daycare is how the staff interacts with children. In an ideal setup, the caregivers should be actively playing and interacting with each child. Children need all the attention they can get, so it’s best that their first caregivers are warm and responsive.

3. What are their policies?

It’s essential that you and the daycare are on the same page in terms of parenting philosophies and particulars like discipline, television hours, feeding, and sleeping. Before committing to anything, talk with the administrators and caregivers in the daycare you’re eyeing.

As parents, you want the best for your children. While choosing a daycare is one of the essential decisions you’d make, it’s also one of the most challenging. Ask yourself these three important questions to get the best.

April 25, 2018 at 2:16 pmStraight Study

Four Tips for Saving on Warehouse Storage Expenses

Two businessmen talkingIf a business is to maximise its profits, the company must ensure that operations cost is brought down. One of the things that contribute to a high operations cost is storage expenses for finished products.

In whatever industry you are in, warehouse productivity is an important factor. These are four things that can help in decreasing the cost of warehouse storage for your company:

1. Get great shelving.

Retail shelving is an important feature of a good warehouse. You will need shelving solutions that are cost-effective, customisable and accessible. It should make putting stocks and removing products easy.

This is why long-span shelving is great for your business. The great thing about it is that it is strong but not too heavy and can hold a wide variety of products. Search for a supplier of heavy-duty long-span racking system near you.

2. Maximise the storage options you have.

You may not realise it, but the space you utilise in the storage facility contributes to the costs. You need to maximise the space you have by storing more in it. You also have to consider the ease of accessing a particular set of products as time is also a resource for the company.

3. Implement inventory protection mechanisms.

Billions of dollars are lost yearly in warehouses all over the world. You must protect these products and supplies against damage, theft or misplacement. You could do this through several different mechanisms such as proper packaging and employee training.

4. Use cross-docking techniques.

Cross docking is when products are directly sent to customers instead of through middlemen. Cross-docking terminals help in the efficient transfer of goods.

The key to bringing down the expenses of factory storage is by optimising what you already have and making proper use of new additions to your facility. This way, the warehouse will be more efficient than it already is.

April 18, 2018 at 5:37 pmStraight Market

4 Ways to Prepare Your Business for Exporting

Export concept shotNow that you’ve determined that there’s a real demand for your products globally, you can further explore the idea of exporting. But do note that making your products available globally requires much more than making a feasibility study and analysis.

Improve the supply chain efficiency.

Your logistics performance has a significant impact on your export capabilities. You need to make sure that you have a foolproof system in place. This involves the simplest things like choosing the best supplier for a metal strapping tool for better packaging and engaging with credible partners for innovation processes.

Boost your domestic operations.

According to the Australian Trade and Investment Commission, you can’t expect to penetrate markets overseas successfully if you don’t have solid domestic operations. Identify the gaps in your processes and find solutions to improve efficiency and productivity.

Attend export coaching courses and sessions.

Doing business domestically is very different from going global. Don’t venture into it blindly. You need to learn the basics of exporting to make sure that you follow all the requirements and policies. You also need to educate yourself on export pricing and marketing.

Get market insights.

Distributing your products to a different market means you have to factor in more determinants. These include financial risks, cultural gaps and political dynamics. Get access to insights on market behaviour and assessment of the competition to remain relevant.

The decision to export shouldn’t rely on identifying your export potential. You need to make sure that your company is ready for it. Do market research, improve your operations and increase your supply chain efficiency. It’s a huge endeavour to take on, so make sure that you are well equipped.

April 17, 2018 at 8:02 amStraight Study

A Guide to the Various Types of Auto Loans

Approved Car Loan ApplicationAbout 85% of new car purchases are financed through loans. Approximately half of the people who borrow money to buy a car get their loans from car dealerships while the rest get their financing from credit unions and banks.

There is an 80% chance that you will be borrowing cash for you to get the keys to your new ride. As such, it pays to understand the various types of loans as well as the best auto loan rate in Utah. That said, this article focuses on your auto loan options.

Unsecured vs. secured auto loans

With a secured loan, the car acts as the collateral to the loan. That means the financing company has the security interest indicated in vehicle title. So if you default payment, the financing institution will seize the vehicle.

Other financing institutions offer unsecured loans. This means the lending institution has no security control over the vehicle. Consequently, these loans are only offered to people with substantial assets and income, as well as those with high credit scores. Additionally, due to their high-risk nature, these loans come at a significantly high-interest rate in comparison to the secured loan.

Simple interest vs. pre-computed interest

Pre-computed interest is calculated based on the total amount of the interest rate over the period of the loan. The total figure is then divided by the number of months you will be paying the loan. That means your monthly payments will include the specific amount of interest regardless of the remaining loan balance.

Simple interest loan, on the other hand, calculates the interest rate based on the outstanding loan balance. That means, if you took a car loan for $10,000 and you now have an outstanding amount of $5,000, the interest will be calculated based on the $5,000 and not $10,000.

Regardless of the auto loan that you want, shopping around is worth your while. Picking a loan is not just another paperwork procedure in car purchasing process. The loan is a purchase by itself and is likely to cost you thousands of dollars.

April 7, 2018 at 1:00 amFinance