Buying Baby Clothes the Easy Way

Most mothers know that buying baby clothes can be a real challenge.There are a lot of factors to keep in mind, from ease of care to size to durability! Well, if you follow a few basic tenets when buying baby clothes, you can save yourself a lot of gray hairs.1. The changing factorMy first tip is to always buy clothes that are easy to change your baby into. If an outfit has laces or too many buttons think about how often you will be taking it on and off, for example when your baby eats a meal. Also, stay away from special care items as you will be cleaning baby’s clothes often I suspect. My baby just found out that she loves spaghetti and and it can get messy – with easy to care for clothes we can always keep her clean. I like to stick to soft cotton products.2. Velcro is your friendNext keep comfort in mind, so elastic, velcro, and big buttons are your friends. Think about when you will be changing him or her; will it be easy to access the diaper with the item of clothing? The best baby clothes not only make your baby look cute, but make it easy for you to change them. Also, kids just love having velcro on their clothes. Velcro is a fun, useful, and neat way to zip up!3. Bigger is betterBaby’s grow fast, and if you buy tight fitting clothes for your baby there is a good chance she will outgrow them very quickly. It’s best to buy clothes that are slightly too big for your child and let them grow into the clothes. This way the clothes you do buy will last much longer. It would be a real shame to have to buy new clothes more often then necessary. Even though it is possible to find many affordable clothes, if you can make them last longer, then it is much better.Once your baby gets old enough it will be fun to start picking out clothes together. Once your baby can start making her own decisions, you will have a lot more choices. In the meantime stick to the three guidelines above and you will avoid a many headaches with poorly designed baby clothes. Finally, There are also some baby clothes brands that are better than others – not all baby clothes are created equal.

Ruby Tuesday, Backleasing and Owning Your Own Real Estate

The well-worn pages on lease-verses-buy in business textbooks makes much of a meal of equipment and motor vehicles but leaves glaringly absent the application to real estate. Perhaps the omission is the result of the specialised nature of real estate, which makes it difficult to provide simple illustration of principles. This brings us to Ruby Tuesday. Huh?Depending on your generation or where you live you may know that Ruby Tuesday was a song recorded by The Rolling Stones in 1966. The song, was a number-one hit in the United States and reached number three in the United Kingdom and five in South Africa.But Ruby Tuesday is also an American multinational restaurant chain, named after the Rolling Stones hit, that owns and franchises the eponymous Ruby Tuesday eateries. While the name and concept of Ruby Tuesday was founded in 1972, the corporation was formed in 1996 as a reincorporation of Morrison Restaurants Inc. The centre of operations is in Maryville, Tennessee, and from there 800 sites are operated worldwide.Going back a few years, analysts were asking if Ruby Tuesdays was the Canary in the Coal Mine with regards to the World Financial Crisis. Facing default on its loans back in 2008 the restaurant chain looked set to fall off its perch. Then began a programme of sale leasebacks which arguably saved the day. So what about sale leasebacks? Should companies own their own real estate to sell and lease back in the first place?Many companies have enormous sums tied up in commercial real estate that it owns and uses for its business, whether that’s warehouses, retail stores, head office or restaurants. In the US, department stores like Dillards and Sears own their own premises. Many restaurant chains like Ruby Tuesdays and Cracker Barrel own their own outlets. Zynga, the online gaming company recently acquired their headquarters building in San Francisco for over $200million. Google bought its new headquarters in New York in 2011 for nearly $2 billion. Microsoft and Wal-Mart also own a lot of their own property; however they are also examples of companies that have made much use of the sale leaseback.Commercial real estate is considered a capital intensive asset and includes, among others: office buildings, retail centres and industrial warehouses. The properties are subject to a lease contract that generally has a base rent, additional ‘rent’ covering the property’s operating costs like rates and maintenance, a term of three to ten years with the option for renewal. The base rental rate varies depending on the credit of the tenant and the location and age of the building.There is an argument that it doesn’t make economic and investment sense for a public operating company to sink large amounts of capital in its own real estate. In fact the argument is that a company should not own, or be in the business of leasing out its own real estate. Companies and in particular public companies should not be tying up capital in commercial real estate. Also, owning real estate may be considered a distraction from what should be the main focus of the business.In fact since the advent of the World Financial Crisis, the companies that have invested in commercial real estate are being encouraged to sell these assets and do a sale/leaseback unless the assets are of a ‘strategic investment value.’ The argument is that capital tied up in real estate should be reinvested into the company’s core business where the rate of return is greater than in a real estate investment. And there lies the rub: The expected return from investing in an operating business is expected to be higher than a real estate investment.So if what the investment firms’ have locked up in property isn’t producing a return other than that which is being saved on rent by owning the property, what is there to show for it? The amount saved is small in comparison to the lost capital investment. It could be concluded then that to multiply returns there should be a disposal of real estate assets and a reinvestment of that capital in the business to produce growth.Just a reminder as to what a sale-leaseback is: a sale leaseback option allows a company to sell its assets and lease them back simultaneously. This can be beneficial for businesses that are in need of an inflow of capital. Unlike a traditional mortgage, which often finances 70% to 80% of the property value, a sale-leaseback allows a company to get 100% of the value from the real estate.Bringing us back to Ruby Tuesday. Although as a covert strategy, purists may argue that the accumulation of real estate as a “rainy day fund” is a somewhat archaic idea, one can’t help admire in hindsight Ruby Tuesday’s desire to own substantial amount of real estate for their locations as forward thinking. As a ‘rainy day fund’ the idea is a fly in the ointment of the non-ownership school of thought.Ruby Tuesday has announced plans to acquire Lime Fresh Mexican Grill. It has launched a new television advertising campaign and increased projected annualized cost savings to $40million. The company has also begun implementing its sale leaseback plan to raise $50million through the sale and leaseback of nearly thirty outlets ending the first quarter of 2013. By quarter’s end, the firm completed a sale-leaseback deal on 8 properties, resulting in nearly $18 million in gross proceeds.So who’s to say, in the midst of sound financial common sense, which is what one might call the school of thought that would have businesses own as little real estate as possible, we encounter a glaringly perfect example of benefits of having real estate assets like Ruby Tuesday. One point is that Ruby Tuesday may not have been able to dig itself out if it were not for sale leasebacks, a potential solution for many medium to large enterprises to acquire much needed business investment capital.

The Best Fantasy Sports Resource Sites on the Web

Fantasy sports are growing in popularity year by year. They are great for any sports fan who dreams of building their own team and competing with other fantasy team builders. There are now plenty of resources for the fantasy sport fan online that can offer the them plenty of information that they may need to build a successful team. There are online web sites that offer useful information such as player rankings, stats, and even cheat sheets.Yahoo Fantasy Sports is a popular online web site for fantasy sports enthusiast to visit and compile information from. The Yahoo main fantasy page offers a hosting on baseball, football, basketball, NASCAR, and even hockey pools. Most of these leagues are free of charge. Another great site is that of the Bio Soft Sports site. This web site is the ultimate in fantasy sport player selection service. It also includes sports handicapping and poker software. Another site is that of Dr. Fantasy Football. This site offers plenty of news, player rankings, many cheat sheets, depth charts, statistics, transactions, injury reports, and a whole lot more. Next in line is the web site of Fantasy Baseball Hub. This site offers a free up to date compendium of baseball resources for its users. There are categories that are tailored to the users’ needs. This site makes it simple to acquire the information and statistics you need in virtually no time at all. And don’t forget popular sports site RootZoo, which is almost like a MySpace, social networking site for sports fans. On this site users earn points for their participation, which give it a competitive and addicting quality.There are fantasy sports resource sites for any occasion one might need them for. There are sites that are dedicated to one particular sport, as mentioned earlier, or sites that are dedicated to fantasy sports in general as were also mentioned before. Fantasy Football Bookmarks is a great site to visit that is dedicated to the latest stats and info. Another great site is the Fantasy Football CafĂ©. This site offers enthusiasts a place on the internet to tap into news resources about fantasy football, cheat sheets, sleepers, NFL player rankings, strategies and other tips, advice, forums, and even predictions. Another strictly fantasy football site is the Fantasy Football Draft Cheat Sheets web site. The site is actually named Fantasy Draft Edge and it offers personalized cheat sheets for the enthusiast.These cheat sheets can keep you ahead of the curve from draft day to beyond. Cheat sheets are great resources for anyone caught up in the world of fantasy sports. The Fantasy Football Hub is a great site to link you with information and other well respected and liked fantasy sports sites. This site makes it very simple for the user to navigate through its extensive list of sites and other resources. The site Fantasy Sports Drafts has been offering its users comprehensive and in depth information since 1993. On this site you will find baseball, basketball, football, golf, and even playoffs and other special events. There are five annual championships to which you are automatically entered in when entering the appropriate online fantasy drafts. No matter what type of fantasy sports resources you are after, this site will surely be of use.