Imposing Home Furniture

The use of imposing garden furniture

Good taste demands that you are somewhat restrained in your choices when it comes go garden furniture. The area of lawn statues can be sensitive if you live in suburbia. If they are too large in proportion to the general living area then people might conclude that you have an egotistical personality. If they are too small then they will not make the impact that you want. It is a balancing act that sometimes fails the best people in the world. The ideal solution is to get the lawn decorations that fit in with the general size and d├ęcor of your home. If you have a large house then you can go for the gigantic items but if you have small homes then you have to tone it down a bit.

Some people believe that the home decorations have no place in an ordinary home. The minimalist movement might find that they are an unnecessary distraction from the general beauty of the garden. There are others that feel more comfortable when the garden is suitably decorated with something tasteful. These are the wide varieties of tastes that make life interesting. We cannot start to restrict the choices of people because of outdated conventions. Each home will have its own conventions according to the people that live there. No restriction can really be placed on that general feeling that you can do what you think is right in your home. That is why people can continue to buy garden decorations.

The materials that you use for the garden furniture items will have an impact on their durability depending on the weather conditions in your area. Clay is beautiful but it will crumble in the right. Metal is less beautiful in some aspects but it can rust in the rain. You have to make the balanced judgment of the materials that you are going to use in order to ensure that you have the right choices and chances to develop the things that you are doing. That is how we can get the best out of the large furnishings that we buy. It is not a complicated process but it is easy to get it all wrong on the first take.

The foray into garden upkeep has to be done when you have the space to keep them. Overcrowded gardens are not pleasant places to be in. They give the impression that you are boxed in and this can be detrimental to your general wellbeing. You have to ensure that you have the backup plan to deal with all the eventualities that are going to hit you at some stage. That is how we manage to keep abreast of the situation. It is a good idea to get ready for the different issues that come into decorating your home but also to get great products. The garden care products are one of those great products as long as you have the garden space to carry them off effectively.

The Benefits of Good Credit Control Procedures in a Small Business

Credit control is important in a business especially for small businesses. This means that every small business should ensure that it collects its outstanding invoices. Some small businesses let their uncollected invoices accumulate which ultimately affects their cash flow and also the performance of the general business. This problem can be attributed to poor credit control and lack of knowledge on the benefits of good credit control procedures in a small business.

One of the primary benefits of good credit procedures in a small business is that there will be sufficient funds to ensure that the business runs smoothly. The outstanding uncollected invoices mean that the business has some money which is deemed to be available but cannot be used in the operations of the business. This is especially a major issue in a small business which might not have enough funds to run the various operations without collecting the outstanding invoices as required. This makes it paramount for a business to ensure that it has set down good procedures of credit control so as to ensure the business runs smoothly with sufficient funds available.

Having good procedures is also important since it enables the business to know its reliable and trustworthy clients. This is because having good procedures in place will enable the business to explain to its various clients when and how the invoices will be collected. The reliable clients will keep to the payment terms and will ensure that the invoices are ready by the time stipulated by the credit control procedure. Through this the business can identify the clients that keep to their payment terms and therefore it becomes easier to extend credit to such clients since they keep their word.

Another major benefit of having a good credit control procedure in place is that the businesses are able to plan properly. This is because a small business with good control procedures will be able to know the money it has and the money to expect. As a result, the business will be able to budget even on the uncollected invoices since the laid down procedure will ensure that the outstanding invoices are collected on time.

A business can even get outsourced providers of credit control services who will ensure that all the outstanding invoices are collected on time. Having outsourced providers will give the business time to concentrate on other issues regarding the growth of the business. Furthermore, some outsourced providers even pay for the uncollected invoices and then go ahead to collect the invoices after the stipulated dates. This gives the small business the assurance that funds will be available on time to run the various operations of the business.

Good credit control procedures that enhance collection of a businesses outstanding invoices are also beneficial because it allows a business to control credit limits. Small businesses should have a limit of the credit to be extended. This means that these businesses should have a limit of the outstanding invoices. When the outstanding invoices surpass the set limit, the business might not be able to extend credit to other clients.

But with good credit control procedures the small businesses will be able to set limits and therefore be able to extend credit to other customers and also to those whose outstanding invoices have been collected. Therefore, it is paramount for a small business to have good credit control procedures in place which will enhance their collection of outstanding invoices.

Recession and Online Education

During times of economic recession when employment opportunities are minimal and layoffs are abundant, adults naturally seek opportunities to make themselves more marketable to employers. Whether individuals need to acquire new skills to enter an entirely different career field, or they simply want to fine tune skills that they already possess to keep their existing jobs, education is often the solution. However, unemployed or working adults with families and busy lives may have difficulties fitting college courses into their hectic schedules. Recession May Drive More Adults Students to Take Online Classes by Steve Kolowich is an article that discusses the reasons many adult students will choose online learning in the current economy. In this article, I will summarize Kolowich’s article. I will also provide an analysis of what I think has created this enrollment trend: cost, convenience, and completion.

Article Summary

Adults often choose times of economic hardship to go to school. Currently, more adults are selecting two-year colleges and private for-profit colleges than traditional four-year universities for their educational needs. Many of these students will take online courses. The 2008 Sloan Survey of Online Learning anticipated that all types of colleges would experience increases in enrollments, but non-traditional schools could see the greatest jumps in enrollments. Elaine Allen, one of the report’s authors, attributes this to the fact that non-traditional schools offer online classes.

Online classes offer many conveniences that traditional college courses do not. Students can take online classes at times that work for them. They do not have to leave their homes to go to school. They are still able to care for the needs of their families. Individuals can save on gas by not having to drive to campuses.

Online enrollment has been steadily increasing since 2003. More than a fifth of all students enrolled in higher education were taking at least one online course in 2007. Over half of the colleges surveyed in 2007 thought that it was critical to offer online courses to students. In addition, 70% of the colleges noticed an increase of student interest in online learning. Students are beginning to choose colleges specifically for their online programs.

Cost

Because of the recession, jobs are scarce. Tough economic times put “more people in the pipeline, looking, and hoping for opportunities” (Stevenson, 2008). Taking classes or earning a degree gives individuals an edge over the competition in the job market. “The majority of continuing education students today are most concerned with first getting into the academic pipeline” (Stevenson, 2008). Adults enroll in programs that offer classes to complete degrees they did not finish in the past. “A lot of people want to increase their skill levels or get that degree they didn’t have. The threat of losing their jobs can be as big a motivator as the actuality” (Kolowich, 2009). The cost of losing a job or not obtaining a new job is greater than the cost of education. In addition, non-traditional colleges offering online courses often cost about the same of even less than traditional universities.

Unemployment benefits often pay educational costs during the first year of unemployment. Unemployed individuals can use these benefits to take classes. Some companies give educational benefits to employees that they had to layoff. Former employees can use these benefits to learn new skills. Individuals are able to enroll in classes without worrying about how to pay for them.

Convenience

Many adults who would like to go to traditional universities to earn degrees are unable due to busy schedules. They have to work or search for new jobs. They have children to care for and households to run. “They may prefer to go into the classroom but they need to work or stay at home and they don’t have the time. An online education may be their only chance to get a degree” (Johnson, 2006).

Online courses offer much more flexibility than traditional classroom classes. Students can participate on days that are convenient for them. If they have to do their schoolwork early in the morning before going to work or late at night after the children are asleep, they can. Online courses still have participation requirements and assignments with due dates, but if students know that they will be busy on days assignments are due, they can simply do these ahead of time.

Many online programs allow students to take only one or two courses at a time to be “full-time.” This allows busy adults to focus on a minimal amount of subjects. Their other responsibilities would make it difficult to take four to five classes at one time as is necessary to be full-time at traditional universities.

Students do not have to leave their homes or jobs to attend online classes. They can participate in class from anywhere that has a computer with internet access. Time is not wasted driving to campuses, finding parking, and walking to classes. Parents do not have to worry about finding childcare for their children during class times. Students do not have to rush from work to school to home feeling as if they are constantly on the go. Online classes offer conveniences like these that traditional courses cannot.

Completion

According to Stevenson (2008), “today’s non-traditional student is interested in one thing: completion, completion, completion.” Adult students want to earn or complete their degrees as quickly as possible. “Students earning a bachelor’s degree from University of Phoenix take one class at a time for five weeks per course” (Johnson, 2006). This means that students can complete up to 10 – three credit courses in a year or 30 semester credits. Accelerated online degree programs like this are a big attraction to individuals who desire to complete degrees quickly.

Conclusion

Because of our country’s current economic recession, more often adults are enrolling in degree programs. Some hope to find new jobs, while others aspire to keep the jobs they have. Education is an effective way increase employment opportunities. Many of these individuals choose to attend non-traditional colleges. Non-traditional schools offer several advantages to benefit the busy adult. These advantages include cost, convenience, and completion. Non-traditional institutions “tend to offer programs that have traditionally been tailored to serve working adults” (Kolowich, 2009). Online courses offered by many of these schools are the ideal educational alternative for busy adults.

References

Johnson, F. (2003, August 21). Online Education Helps Fight Enrollment Dip. Enterprise/Salt Lake City, 36(7), 9. Retrieved August 1, 2009, from Regional Business News database.

Kolowich, S. (2009, January 16). Recession May Drive More Adult Students to Take Online Classes. Chronicle of Higher Education, 55(19), A11-A11. Retrieved August 1, 2009, from Academic Search Complete database.

Stevenson, J. (2008, September 15). Streamline the Pipeline. Business West, 25(9), 38. Retrieved August, 1, 2009, from Regional Business News database.

Special Finance – Making the Most of Your New Auto Loan

It’s time to trade in that time-honored old vehicle for something newer. Perhaps you’ve outgrown the vehicle with new family additions, or perhaps you simply need something more reliable. Regardless of the reason, you now find yourself in need of a new vehicle. Before you even step foot on a dealership, you’ll need to determine how you want to pay for the new vehicle. Three options are available for you to use; buy, lease or finance.

Buying a car outright is the most affordable way to get a new vehicle. However, most consumers simply don’t have the cash up front to do this. Leasing is a popular option, but it actually becomes more expensive over time than most consumers would like. That leaves auto financing. This is the most common way to purchase a new car, today.

Auto financing offers you more than one option. The most common way to finance your new car is through the dealership. However, being well armed before heading to the dealership is important. The first thing that you should do is get copy of your credit report. You can do this free, once each year. Some states will allow you to have an additional copy per year, as well. Viewing your credit report beforehand will help you avoid expensive surprises when you get to the dealership.

Once you know how your credit stands, you’ll need to define your budget. This includes how much you can afford as a down payment, as well as what you can afford in monthly payments. As a general rule, your car payment should not be more than 20% of your monthly income. However, the amount that you put down on the car, combined with the interest rate that you receive, will dictate just how expensive those monthly payments are. Use an online auto loan calculator to help you determine just how much you can afford.

Now that you know how much you can afford, you are ready to get that loan. You can do that before heading to the dealership, as well. Some dealerships inflate the interest rate on car loans, in order to gain more profit. However, you can get a loan from a different source and save money, in many cases. Credit unions, your local bank and online lenders can all offer you a viable alternative to dealership financing. Take your time and sort through your options before making a choice. Choosing the first option that presents itself may cost you more in the end.

If you do decide that you want to finance through the dealership, you’ll need to be on your toes. Remember, just because the salesperson says one thing on the lot, it doesn’t mean that it will be that way in your contract. Ensure that you read the contract thoroughly. In addition, knowing your auto financing information will help you ensure that you get the right interest rate from the dealer F&I officer. If you feel that you are being “taken for a ride” do not hesitate to leave. Your wallet will thank you in the end.