Setting up a perfect fleet policy is one of the fundamental activities of corporate organizations. Company cars will definitely be required for delivery, service and utilities. But when the employee requires customer visit, will it be feasible with reimbursement or company owned cars? The interests of the companies are to be kept in mind while taking this decision. The fleet manager may assign a strict policy of vehicle assignment by considering both the economic and non-economic factors.

Prepare Assignment: There can be various reasons where the employees will require personal transportation for performing their jobs. Their jobs may include site visits, product servicing, entertaining customers etc. Fleet managers are required to consider two main factors while assigning automobiles:

• Economics: The travel must be cost effective for providing a vehicle to the employee instead of the reimbursement of using his personal vehicles.
• Job Function: The fleet managers must be aware of the job functions of the employees where he is required to assign vehicle. Mainly, the delivery, sales service or livery type of functions require vehicle for the operations.

Collect Information About Vehicle: You must go through the TCO (Total cost of ownership) of the vehicles, which can be an important economic decision maker for assigning the vehicle. This analysis will help in including all the fixed and variable costs which were incurred throughout the service life of the vehicle. Sometimes the TCO components are expressed in a different manner, where the repair and maintenance costs are calculated as cents per mile and the depreciation costs are calculated as dollars per month. Some companies may possess reimbursement policy where the employees can be reimbursed for using their personal vehicle occasionally for the business purpose. As soon as the data of total cost of ownership is being collected, the reimbursing cost and the monthly cost of company vehicle can be compared. Depending on the total mileage driven, it may sometimes be cost effective to provide a car instead of reimbursing the employees.

Calculate: After collecting the information, you are required to do some maths. Depending on the basic arithmetic, the economic decision can be taken for determining the acquisition of company vehicle.

For example, an employee is required to drive 1400 miles per month. The reimbursement rate is 56.6 cents per mile. Therefore, the cost to the company will be $ 793

Let us assume, that it would cost $750 per month to provide vehicle for an employee.

So the fleet managers will calculate the breakeven point to know which option will be better for the company. In the above case, it is more cost effective to provide vehicle instead of reimbursement.

Evaluate Job Functions In Detail: The job functions of the companies are required to be evaluated in details so that the vehicle assignment can be done smoothly.

• Sales: Salespersons mainly represent the company by displaying services or products, contracts or proposals. They generally carry samples, brochures and other materials required for sales visits.
• Livery: These vehicles are generally used to carry people and may carry van pools, other shuttles and similar other vehicles.
• Service: Providing service to the existing clients, reviewing accounts of the clients, occasionally entertaining the clients by resolving their issues are generally included in the service category of the job functions.
• Compensatory: Not only for the job functions, the company provides vehicles as compensation packages to their executive employees also.

By simple break even analysis, you can determine whether reimbursement is more cost effective than providing vehicles. In every case while deciding, you are required to keep the company’s interests at the top most priority.

Author Bio: Mark Stephen is a well known sales executive in Ideal Auto USA. In this article, he is providing tips for determining whether vehicle or reimbursement can be cost effective for companies.

Perhaps when you signed up for all those credit cards (probably against the screams of your good sense), you fancied yourself something of a financial guru or at least a very conscientious spender that you were sure you would not get into any kind of trouble. Or perhaps you were just being yourself: a dangerous spendthrift who whips out those plastics far too often for far too much.

Well, however you got here, welcome. No one plans to be in financial crisis but even the best of us sometimes find ourselves there. So don’t beat yourself up, you are in good company, and even better, I have a plan to get you back on your feet.

Debt consolidation

You have probably heard about this. The basic idea is that you amalgamate all your debts into one large debt that you can pay off at a lower rate. People do these with their credit cards while others take up debt consolidation loans.

It may sound crazy to take on more debt to cater to other debts, but there are plenty of benefits to getting these consolidation loans. They include:

1. Having just one debt

I’m sure you can appreciate the madness of trying to remember multiple credit card balances, rates and dates of payment. It is quite overwhelming and could very well take over your life.

With a loan, you get to pay off all those other debts and focus on a single debt with a single payment. This way, you avoid the risk of late payments or defaulting that often occurs with multiple debts.

2. Lower monthly payments

You get to pay less each month than you would with all those debts. Most of these loans come with a lower interest rate which translates to lesser regular payments. This way, you can make payments that you are comfortable with while looking forward to clearing your debt.

3. So many offers

There are several companies that offer this service nowadays. This gives you the advantage of looking through several offers to see which one will work best for you. You can develop a strategy that will be feasible for you to use as a selection criteria for all these companies.

There are also regulation bodies that give certification to these companies. You can also use these bodies to see if the company is certified and therefore reliable to work with.

4. Credit score preservation

This is facilitated in two ways. With multiple payments to make on multiple cards, there is a higher possibility of defaulting or delaying payments which will adversely affect your credit score. By having a single debt to focus on, you are highly unlikely to default your payments.

Second, there are other methods of managing debt that actually require you to default payments to your creditors, thereby damaging your credit score. The debt consolidation loans make no such demands. In fact, you get to clear all your debts in one move and focus on this one.

Disclaimer

Although debt consolidation loans are a great thing, make sure you check that the company providing the loan facilities is accredited. Good luck to you!

Author Bio

Missy Deeds writes a weekly column on debt consolidation loans among other issues related to debt. She is a financial journalist with a local daily and writes a few blogs in her spare time.

How we do business is continuously changing, from the early barter trade, it has slowly changed into a money based system which is again transforming into the digital based system. This boom in the web-based business model has given rise to several allied services that are closely connected with making the online business easy and successful. Among these is the engaging world of web designing that is ever changing with a newer set of skills required to make it big in this domain. If we observe the changes that have taken place in the sector concerned with website design in India, then we find six broad set of skills a person required to flourish in this business. We have listed these here for you.

1). You should be well grounded in the design department: This is one of the most important elements of website designing. In web designing, you have to keep a lot of factors in mind to make sure that not only the website you are working on looks attractive, but is also easily navigable. To do this you have to take into account various factors closely associated with web designing, like the payment process. You as a web designer have to make sure that the customers do not face any hassle while making payment, it should be swift and secure.

2). How to improve the looks of the website that you are designing: When you are building a website, keep it in mind that it should be compatible with different devices like the desktop, laptop, tablets and smartphones. To do this, you should focus on proportion & balance, the spacing between the lines, color and contrast, layout, font size and color among others.

3). Improving the style quotient of your website: There are millions of websites that are competing with each other to get more eyeballs. If you are engaged in website design in India, you can give your website a leg up in this competition by using the versatile photoshop techniques to make your website more colorful with trendy images. Nowadays, photoshop is extensively used to edit an image or build logo to improve the brand value of the company.

4). Interesting and well-researched contents: Contents are the real deal in any website. It does not matter how beautifully your website is designed, if there are no interesting content (it could be text, video or animation), then all your effort to design the website will go in vain. Make sure that you give a good proportion of both text and image in the website and use good SEO techniques whenever you are posting something on the website to improve the chances of getting a better ranking of the website in any search engine result.

5). A basic idea about the workings of website designing programs: A web designer should have a basic understanding of coding of some of the popular website developing programs like HTML, CSS among others. This is necessary to know what kind of idea is feasible and what is not. This will cut down the time that takes to get approval from the web development team about any new design changes that you want to put into a website.

6). Update your knowledge base regularly: This is one of the most important features that can make you succeed in your job of website design in India. The world of the digital world changes very rapidly and you should be on your toes all the time to take note of these changes and imbibe them in your work.

Almost 80% of the students face the dilemma every year after the declaration of JEE Main results that whether they should choose from the provided options or go for the other institutes or to drop a year for better preparations. It is obvious that not every student is able to perform his or her best in JEE Main. Considering the fact that a majority aims to crack JEE Main and to qualify for JEE Advanced for admission in the renowned IITs and NITs, it is obvious that a low score does not bring happiness for them.

The idea of Immediate Admission v/s the Idea of Year-Drop:

If we critically analyze both the situations, it can be deduced that both the concepts are correct on their behalf. If we consider the case of immediate admission, many candidates prefer to opt for this option. This is because after the declaration of result for JEE Main, examinees get an idea of the colleges in which they can get admission. According to some, it is better to grab the opportunity which is lying in front of them instead of waiting one or two more years for the purpose of preparation.

On the other hand, if we consider the other perspective of dropping a year or two, to some candidates it appears to be a better strategy to crack JEE Main. If one opts for a year drop, s/he can get ample time to prepare without experiencing any distractions. Sometimes, due to the similar time-lines of JEE Main and class 12th exams, candidates are unable to give their equal efforts on both the examinations, this results in unsatisfactory marks. This probability can be entirely ruled out if a candidate opts for a one or two-year gap.

How to decide on an option?

As we have observed that from both the perspectives, it appears to be feasible. However, one should not neglect the waste of time and resources if he or she opts for a year-drop. As the candidate gets another 12 months or 24 months to prepare, he or she is also resulting in a doubled expense related to coaching, study-materials and much more. Thus, it is best to consider the statistics which will help us to decide whether to take admission immediately after JEE Main results or to wait for a year in order to prepare in a streamlined manner.

1. The One-Year Drop:

 According to resources, if we consider the percentage and the average marks secured by 7,01,297 fresher candidates, 1,67,352 one-year drop candidates and 25882 two-year drop candidates, it can be observed that only a few students were able to perform better. For example, if we consider average JEE Main marks secured by the general category students, it has been observed that the fresher students secured 60 while the one-year droppers were able to improve that score as they secured 77. However, if we consider the percentage, the fresher candidates were able to bring a wonderful 51% which got reduced to 47% in case of 1-year droppers.

A significant rise was noticed in case of OBC-NCL, where fresher examinees secured average marks of 49 but the one-year droppers were able to secure 66 which is appreciable. In case of the percentage, the freshers brought 36% which got incremented by only 2% in case of the one-year droppers. Considering SC and ST candidates, it was observed that their fresher candidates secured average marks of 44 and 41 respectively which got incremented to 52 and 48 in case of the one-year droppers. If we consider the percentage perspective, it has been checked that there has been no improvement in the percentage of ST candidates, however, SC candidates saw an increment from 9% to 11%.

If we analyze the statistics, it can be said that the students performed slightly better after taking a year gap but their performance was not extremely good to secure them a seat in IITs. Some students were also not able to clear the cut-off for JEE Advanced. Thus, it is recommended that one should not opt for a year gap as there are fewer probabilities that the candidate will get a better choice in terms of college and the branch.

2. The two-year drop:

   The statistics reveal that the average marks for two-year droppers were 66 while 60 marks were secured by the freshers in general category, the percentage also reduced to 41% from a high 51%. In case of the OBC-NCL candidates, the average marks of the freshers were 49 while the two-year droppers managed to get 64, their percentage faced a rise from 36% to 40%. If we consider SC and ST candidates, the average marks only modified a bit as the two-year droppers secured 49 and 46 respectively while the freshers secured 44 and 41 respectively. Similarly, the percentage of the two-year droppers among ST candidates has not shown any improvement while SC candidates saw a rise from 9% to 15%.

One should reconsider his or her decision of taking a two-year gap as it can be risky in various aspects. In this case, one not only incurs double expenses but the statistics reveal that candidates were not able to perform brilliantly in the examinations after a two-year gap. This is why most of the students do not opt for a two-year drop, UP is perhaps the only state where 42% of the students opted for a two-year gap while all other states have revealed that maximum 10%-15% of their students have opted for this choice. On the other hand, UP and Bihar hold the highest records having their 24% and 14% students opting for a one-year gap.

After analyzing the statistics, it is quite clear that planning for a year gap may not turn out to be that productive as there may be a subsequent reduction in the marks. It is better to save the money and the resources and to opt for the colleges which are available to a fresher as there is no guarantee that the candidate will perform brilliantly after a year gap. Results depend on an individual and one can get several chances to improve the same in the later stages of his or her life. Thus, it is better to analyze every possible perspective before randomly opting for a year gap as it may not lead to a successful outcome.      

Online food ordering is gaining grounds these times. Restaurant managers and consumers both are availing the advantages and the assistance is being used arrived with the help of promo codes.

Customers take it as the most suitable way as they get food delivered at their doorstep, no hassles of getting stuck in congested zones, they reduce petrol or gas as well as on parking and tips, and cashless expenses through bank credit cards, an ATM card or net-banking are awesome.

Feasible access of online through cell phones and tablets is the reason for noticing new pattern ‘login for food’. Individuals choose online food ordering over calling for food as it provides them a number of benefits. Contemplating the craze, restaurant entrepreneurs are also making their existence online to take benefits to provide promo codes. You can also save with this promo code and take advantages like Commercial Advantage

By having an online company, dining places can easily build brand awareness. They can have an enviable list of patrons since they will be reachable to a huge mass of discerning focus on market. Creating a web page and enabling client’s purchase food online and use of healthy foods promo code Australia is a potential approach to increase the profit and earn client’s trust.

Customer’s Convenience

The paramount concern of any organization is the comfort and satisfaction of clients. Customers think it is the best way as the procedures to place explore the World Wide Web need just few clicks. Therefore, improving the client’s comfort indicates improving the number of clients in your restaurant.

Feasible and Profitable for the Restaurant

Online ordering of food frees-up the waiters from answering the telephone phone calls since the purchases arrive via fax machine.

Maintain a Competitive Advantage in Business

This way you can have state-of-the-art solutions to have a cut above the rest. You can sustain an competitive edge in company and give a lots of competition to your competitors as it is not influenced by the size of the company. This is going to be an imperative thing in future.

Larger Orders and Repeat Business

Having your existence online can allow you to be able to get huge purchases with the use of healthy foods promo code Australia. A satisfied client will acquire the solutions you provide again as now he or she can purchase just by sign in at your site. Customers do not have to give all the details again.

Save on Employees Efforts and Order Errors

Receiving online purchases indicates saving in the catering company time. If you receive purchases on cellphone, you need to have an employee to attend the phone calls and take the payment. One more problem faced by dining places and clients is the misconception creating purchase mistakes. Misunderstanding in listening or breaking of voice can create big issues but the world wide web purchases are devoid of such issues as everything is written clearly on paper.

Accept Online Payments

Receiving purchases on cellphone have no option other than money delivery. As most of people do not carry money these times, they choose the dining places providing online payment methods. You will miss such clients by being unavailable on the World Wide Web or being unable to provide the facilities they want.

Get New Customers

Now people finder everything on the World Wide Web. To discover the dining places in their vicinity they resort to online. Your existence on the World Wide Web will ensure it is easy for you to achieve new clients and turn them into your patron.

Picture Perfect System to Entice Customers with Eye-catching Offers

Portals with online food ordering facility offer attractive discounts in the form of discount coupons. Using system restaurant entrepreneurs could make achieve to their focus on market. They can get them to aware about their latest provides and deals that the clients can acquire. Individuals usually search for coupons to get food on the World Wide Web take the assistance of the restaurant providing the best price.