How To Choose The Right Corporate Uniform

It is not an easy task to reinforce your brand image into the customer’s and employer’s minds.
Andrew Black

It is not an easy task to reinforce your brand image into the customer’s and employer’s minds. All successful organizations have chosen the right corporate uniforms for their employees because they know they level of benefit they can get. Implementing a corporate uniform can help your business create the right effect in a very short period of time. It is not at all difficult to design a corporate uniform for your employees.

There are numerous ways to choose the right corporate uniform for your organization. The first thing you should know is that the corporate uniform should look professional and official. Some patent uniforms that were being used for a long time are of no use nowadays. They no more look professional and tend to give a casual look. A factor adding to their unprofessional look is the improper fitting. Corporate uniforms should fit reasonably well, neither too loose, nor too tight.

A professional corporate uniform should also focus on an updated logo at a suitable place over the uniform. This is very important because among a hundred other organizations yours should signify its identity through a well embossed name. Embroidering the logo on the uniform gives a sense of belonging to the employees which is necessary for an organization to climb the success ladder.

While you design an appropriate pattern for both male and female employees, look on for a suitable fabric as it is very important to make the work process easier for employees. The uniform material should be durable with permanent and decent colors.

Comfort should also be considered while formatting the uniform. Often employees wear clothes that look good on them but they are very uncomfortable working in them. This should not happen with the corporate uniform. It is essential to look professional and be comfortable at the same time.

With all the above mentioned specifications, the uniform should not at all be boring for the employees. You can select contrast of different bright colors for the uniform, however, this only confines to certain industries. Not at all organizations can follow this as it is usually meant to go well with the creative industry.

If you are confused about which colors to choose, check out the organization logo and coordinate different colors. Alternatively, you can choose a color scheme that contrasts the logo. This will bring out the colors of the logo brightly. Many organizations also prefer to have a black and white logo, but then again it depends on the industry your organizations belongs to.

Implementing a corporate uniform is a matter of choice for an organization. However, you can get the maximum amount of benefit for your business by doing so. It is not only gaining popularity among larger organizations, but medium and small sized businesses are also moving towards it.

Organizations implement uniforms for employees to gain maximum commercial benefits indirectly. Very few organizations realize the fact that these uniforms are an amazing long-term investment that builds your brand all over again starting from the employees to competitors to customers.

Andrew works for a promotional clothing company. He has helps many organisations with their imprinted promotional merchandise needs.

Choosing A New Credit Card

What to think about when choosing a new credit card. This article will help the process of choosing a new card.
Neil Brown

1. Choosing A new credit card

There are many reasons for choosing a new credit card. It may be your first card or you may wish to reduce the amount of interest you’re paying each month or if you’re lucky enough to pay off your balance each month you may wish to take advantage of one of the many reward schemes around.

To help you choose we have compiled a set of questions and answers. One thing to consider is that you need more than one new card. For example if you have an outstanding balance and use still make purchases you should consider switching to a balance transfer card for the outstanding balance and a seperate card for the ongoing purchases. This is provided you pay off the ongoing purchases of course.

2. What To Ask – Standard Questions

Scenario: You pay off your existing balance each month Solution : Choose a reward scheme card. These will either pay be cash or may be points that can be used to purchase certain products.

Scenario: You have an outstanding balance but still make ongoing purchases Solution : Transfer the existing balance to 0% balance transfer card and at the same time get an introductory purchase offer card. This way you can allow the introductory purchase card balance to build up, while you pay off the balance transfer card. You need to be very disciplined with approach though. If you have taken up a balance transfer then try to avoid new purchases on this card as repayments are weighted towards the lower interest part of the balance.

Scenario: You have a large purchase coming up Solution : Apply for an introductory purchase card and then pay off the balance over the period of the offer.

Scenario: You have a poor credit history Solution : There are some high interest cards around for people with a poor credit history. If you do obtain one of these cards then make sure you always make your repayments. This way you will slowly build up your credit rating, which will eventually make the lower interest cards available to you.

3. Can your existing card be improved

This is one option that most people completely ignore. It is entirely possible that you may be able to negotiate a new rate on your card, especially if you have another card with a lower rate. They can only say no, so what have you got to lose.

4. Should I close my existing card

Not neccessarily is the answer. You may be able to use this card in the future for a balance transfer (http://www.chooseacreditcard.co.uk/balancetransfers.html). Also, don’t forget that you normally get around 58 days interest free credit. So you may be able to make the odd one-off purchase and spread the cost over a couple of months.

5. Finally …

Please remember the golden rule. Only borrow what you can avoid to borrow. If you are careful you can make the credit cards work for you, but if the credit card companies make a lot of money out of people allowing the spending to get out of control. Don’t allow yourself to be one of these people.

Financial Skills – Opening a Bank Account

I was surprised when I asked parents to tell me the life skills they wish their kids knew, and there was a resounding request for kids to learn how to open a bank account.

Similarly, there was a huge call out for:

How to budget & balance accounts
How to write checks and pay bills
And how to start saving for retirement
It seems some of the things we take for granted are, as a result, missing from what we teach kids.
This article is the first article in the four-part series and will discuss the best and simplest way to get started with opening a bank account.

It seems easy, but there are several questions many people never think of that we’ll address in this article:

Which bank?
Checking or savings account?
Are there fees or minimum balances?
Should I get a Debit Card too?
Should I have my name on the account with my kid?
1. Choosing a Bank

When you choose a bank, there are a few criteria you’ll want to look at:

Location
Number of branches
Ease of access
The location should be convenient to your home, but also have enough branches so that – in the case of an emergency – you can get to your bank.
I opened an account with Elevations Credit Union when I was attending CU Boulder. It was convenient and credit unions are really great to bank with. However, after I graduated and moved, there were no branches around me, which made things very inconvenient. I ended up opening an account with US Bank since they are in about every King Soopers, where I do my grocery shopping.

This is especially important with kids because you don’t want them to have to drive too far just to bank.

Similarly, ease of access into the branch is important. I remember having a Norwest (now Wells Fargo) account, and getting in and out of the bank’s parking lot was terrible. I had several near-miss car accidents and dreaded even going to the bank.

2. Checking or Savings Account

As you’ll learn in the future article about saving and budgeting, there should be an account that is used for saving and investing.

That means it’s important to have BOTH a checking and savings account.

The reason a checking account is important, is so that kids can learn how to write checks, and have a designated spending account aside from a designated savings account.

Checking accounts are important for paying bills (be it online or via mail) and will give kids the opportunity to learn how to write checks. Even if check writing isn’t as prevalent as it once was, it’s still important.

I was shopping one day and realized I forgot my wallet, which had my credit cards and cash. I started to panic because I needed some food. Fortunately, I keep a couple of checks in the car and was able to save myself by writing a check… they still come in handy!

3. Fees & Minimum Balances

Some banks have fees to have an account and others don’t. Obviously get the one that doesn’t since your kid shouldn’t have a huge account. Likewise make sure there isn’t a minimum balance or a very small ($10 or less) minimum balance.

Just as important is how overdrafts are handled!

When I was in college, it never failed: my peers (who hadn’t learned how to balance an account) would routinely trigger their overdraft protection and the hefty fees that went along with it.

They would look at their balance online and it would show $10. Then they’d check it again a few days later and it was at $30.

It was the magical growing bank account; and they never wondered where the extra money came from. Until the end of the month when they had over $200 in overdraft protection fees!

I would suggest NOT getting overdraft protection and instead making darn sure they can balance their account (which we’ll cover in a future article).

4. What About a Debit Card?

Here’s my thoughts on kids having debit cards: it makes it much, much harder to balance the bank account while making it much easier to overspend and run into trouble.

Are ATM machines convenient? Yes, but I have never once used one in my entire life. Part of teaching kids life skills is to teach them to be prepared. I keep an extra $10 in cash plus a few checks in my car. It wouldn’t bother me if it got stolen.

If you’re determined that your kid gets a debit card, wait at least six months after opening their account so they can learn “the old fashioned way” and understand how the debit card affects their account when they actually start using it.

5. Should I Be On The Account Too?

I think it’s a very good idea for you to be on your kid’s first account so you can monitor their spending and make sure they don’t cause a train wreck.

It’s good to get statements so that you can use that as a learning experience to go over them with your kid and teach them how to properly dispose of them (in a shredder) so that they decrease their risk of identity theft.

Come up with a time frame or benchmarks until you pull yourself off the account and let your kid take on the responsibility of an individual account.

Opening a bank account is a huge step into a new world for kids and it should be a great experience. Walk your kids through the setup and look for the learning opportunities along the way.

Digital Documents, LLC Announces Quality Audit Results

Results from an independent quality audit performed demonstrated that through the use of their dDSpeedScan® technology and processes, Digital Documents, LLC created a database that had an accuracy level of 99.995%.

Version 4.0 of dDSpeedScan ® document scanning, indexing software and processes can output images and data into over 240 formats with a 17% improvement in document scanning throughput rates over the previous version. In addition to the enhanced image, data validation and quality assurances, the largest and most complex projects can be processed with quick turnaround and higher than industry standard image and data quality. Clients that use their services are able to demonstrate tangible and measurable benefits, and often realize increased profits and revenue with dramatically reduced document management costs and expenses. In addition, their scanning services allow organizations to unlock the true value of the information trapped in their documents.

“This particular project involved a mixed document collection relating to patent infringement litigation. Not only were there a very large number of documents that had to be processed in a very short period of time, the coding was very complex as the documents contained a lot of scientific and numeric data. Through the use of a number of manual and automated processes, we coded over 1.72 million characters with independent audit revealing that there were 14 coded characters that were suspect. After further review, the accuracy of some of these characters could still not be determined as there were instances where a Zero looked like an “O” and a Five looked like the letter “S”. On one document, the corner of the page was ripped and half the letters were missing. However, to create a database that has an accuracy level of 99.995% from an unstructured document collection is a fantastic testament to our staff, technology, and our document scanning and indexing processes and quality controls and assurances. This accuracy level exceeds traditional approaches of double-key entry and verification utilized by off shore coding vendors, and considerably higher than our current industry standard of 90% to 95%. Clients that have used our services and taken advantage of our sizable investment in technology like dDSpeedScan® 4.0, are able to demonstrate tangible and measurable benefits, and often realize increased profits and revenue with dramatically reduced document management costs and expenses” stated James M. Eglin, Jr., Executive Vice President of Sales & Marketing in making this announcement.

Hidden Advantages of Outsourcing Services for the Car Loan Industry

Let us face the reality that today, we live in a ‘do-it-yourself’ way of life. As they should, people want to show off their auto repairs, home improvement projects, and many other tasks that majority of us would more often not seek professionals to perform the task, as they just prefer to do it by themselves.

It is absolutely a great value in a number of ways. You can gain expertise from your experience. Sometimes, it does not necessarily mean that it is a better way to go from doing something by yourself because oftentimes, it pays more to hand over and look someone for help.

Many of the car loan businesses are beginning to worry about not only getting in the game but also in maximizing their returns with all sizes racing to compete in the lending market. To outsource car loan business services, many industry experts understand that it is often considered more cost-effective.The most obvious reason for doing this is because industries don’t have to hire new staffs or underwriters solely for car loan operations and services. You have to keep in mind that those industries are also avoiding the other expenses related to assisting the infrastructure associated with an internal underwriting team.

But the advantages don’t stop there because there are a number of hidden advantages that many businesses fail to consider when entertaining ideas of outsourcing their car loan business processing that includes staffing and funding. Here are some of the hidden advantages of outsourcing for car loan business:

Increase the Number of Loans that Leads to More Net Profit

Just consider it as any consumer business committing to sales. As this dealer management is all about being able to see, looking for your niche and catering your offers to the biggest needs of your dealers. Better and stronger relationship with dealers and having more dealerships in the network in order to drive portfolio growth is one of the end goals of outsourcing some services when you are in the car loan business.

Improved Relationships with Customers

Your staff will be able to intensify its focus on strengthening relationships with your customers- making visits, gathering feedback and better addressing their needs that will drive growth for your car loan business portfolio.

A Guideline that Allows the Outsourcing Provider to Serve as an Extension of Your Car Finance Team

Your outsourced car loan provider should be able to efficiently, quickly, and easily customize its financing scorecard to fit your representation. By doing this, it guarantees that making a decision for car loan financing is consistent and fits your appetite and business plan.

Access to Consultation and Expertise

It allows your business to avoid common pitfalls that businesses fall victim to when trying to get in-house functions off the ground when outsourcing your car loan business processing. Through outsourcing, those businesses must hire the expertise that is readily available.

After-Hours Process

By waiting until the next business day to respond to proposals, don’t miss out on those deals especially over the weekend when many consumers have time to hunt for motorcycles, cars, and trucks.

It will absolutely offer a significant benefit over businesses with in-house operations that are confined to traditional business hours when you have an access to after-hours processing service.