Maybe you’ve heard of payday loans but don’t know how to go about applying for one, or maybe you’ve never even heard of a payday loan. This is because short term credits aren’t offered in every state. While they are easy to get since there is no credit check, they can be easily abused.The Payday Loan ProcessThe reason it is called a “payday” loan is because it is designed to be a short-term loan which must be paid back by your next payday. If you can’t pay it back in its entirety by your next pay date, you must at least pay the interest on the loan to avoid having it automatically taken out of your bank account.This is where it gets tricky. Most people don’t realize how high an interest rate of 16% can be. This is the average amount of interest charged by check cashing places. For example, if you take out a loan for $300 and cannot afford to pay it back in full, you must pay the interest of $50 every two weeks. $100 a month is a big extra bill to take on for some people.This is why you should avoid short term credits unless you know 100% for sure that you can pay it back in two weeks or less.Who Offers Payday Loans?You can find places that give payday loans by looking in the yellow pages or Googling ‘check cashing’. You will find many places that offer some services similar to a bank; however these businesses are not banks.Check cashing companies mainly serve to cash checks, as their name implies. Some people with poor credit cannot qualify for a bank account. They pay small fees, deducted from their checks, to get similar services from these places.Check cashing companies may also offer bill pay, registration renewal, and money orders.These can be found in any neighborhood across the country. They are popular and retain customers because of the instant nature of the service and convenience they afford those that need cash.What is needed to apply for Payday Loans?When you go down to a check cashing place to apply for a loan, you’ll need to bring several documents with you. If you are missing just one, you will be sent away. To avoid extra trips, take with you:* ID card
* Social Security Card
* Checkbook
* Utility bill
* Bank Account Statement
* 2 most recent paystubsIf you have all of these items, you will be given a short application, usually just one page in length. The check cashing company will ask for at least three references, along with your employer’s phone number. Make sure you pay the loan back, or they can call any one of these references!Payday Loan TipsDon’t take out more money than you can afford to pay back. Just because you can get up to a certain amount, doesn’t mean you have to take out the full amount.If you are stuck in a cycle paying interest and can’t get out, you can request to pay off your loan in four equal payments. However, this may mean that you cannot borrow again for up to a year.Look for check cashing companies that offer zero interest on first time short term credits. Only you can decide if you need the money bad enough to pay a high amount of interest. If you have bad credit, this may be your only option for emergency cash, but make sure you know you can pay it back! Short term credits are easy to get, but not always easy to get out of.
What Steps You Have to Follow to Apply for Payday Loans
Getting to Know the Features and Advantages of a Pharmacy Software
A pharmacy is a medical shop that provides medication to customers. Pharmacy software is a solution the shop utilises to ensure safe selling of the drugs to consumers and in an effective manner.A drug store keeps in its inventory a large number and variety of medicines. Remembering the crucial details of each is not possible for human workers. Management software can store information like toxicity, side effects, potency, expiry date, etc. and make it easily accessible to the employee.Some Features of a Medical Shop SoftwareThough a management software comes with countless characteristics, explained below are just few of the most important.
Loading of Data
The second the pharmacy begins operation there is a need to access and control a lot of data, i.e., information related to every medicine sold. This requires the mammoth task of manually filling in each detail of each inventory item. Even if the chore is given to a junior employee, it is vital to check their progress. Simply said, a lot of resources are put into just one job and a job that doesn’t guarantee to be 100% accurate because human-errors always happen.A good medical software will come with the feature to extract data from a CSV or Excel file and load it onto the system. With this attribute, the time taken to complete the task is reduced, and there are no chances of errors occurring.
Management of Inventory
Inventory management makes the pharmacy more efficient and decreases operational costs by keeping track of the medicines sold. Out of all features of a billing system, this is the crucial one.Using the software, the inventory of the pharmacy can be tracked automatically meaning an employee doesn’t need to perform the laborious task of handling and monitoring inventory. Their time can be utilised for more beneficial activities. This feature also controls access to the drugs in the store which improves security and enables accurate medicine dispensing.
Point of Sale Integration
The most practical application of a pharmacy solution is POS. The feature keeps a check on the cash flow on all floors of the pharmacy and other chains (if present).
Barcode Scanner
The barcode scanner allows verification of each drug that passes the POS and helps keep track of all sales. It also aids in
retrieval of refill information
verification of dispensed product
Advanced Reporting
Some pharmacy management systems come with a library of report templates. These built-in reports can be employed by workers to work faster. The process is easier for the employee and the information that needs to be tracked and reported is far more accurate.
E-Prescriptions
The application allows the pharmacy to receive new prescriptions from doctors or refill prescriptions directly. Electronic prescriptions make the process of getting the medicine to the patient faster.
e-Signature
The element saves time during the purchase of medicine because it allows the sale to be signed electronically. In one transaction, the employee can electronically track acknowledgment of each prescription sold.
Clinical Integration
Some pharmacies employ many clinical tools such as dosing guides, lab information, and drug interactions. The clinical integration allows the pharmacy software to be incorporated with the tools for better services.
Pill Imaging
The feature guarantees that no incorrect pill is dispensed. At the quality check, the pills are displayed and then compared with those being purchased. The comparison ensures that the right medicine is given. Pill imaging makes for a valuable tool to enhance the accuracy and quality of prescription filling.The Paybacks of a Management Solution for a PharmacyWhen the right pharmacy software is employed, a medical shop delivers the best possible care to patients while increasing profit margins. It frees up precious time and resources which can then be focused on producing more business. A few essential benefits that come hand in hand with a pharmacy management solution are:
The cost of ownership is very low.
The applications of the system are wide-ranging and can be controlled by having different logins for the owner of the pharmacy and other employees.
Each user of the software can have diverse privileges by manually setting the rights of the user.
The software can be customised as per the needs of the shop making it as comprehensive or as narrow as required.
The productivity of the pharmacy increases which, in turn, amplifies profitability.
The sale procedure is considerably sped up through the Barcode scanner because it records details automatically.
More than just a front-end solution, a medical shop solution also takes care of the supply chain.
From alerting when the stock is low to informing the pending expiry date of medicines, the system comes with many useful features.
The analysis, information, and reports the software provides assist in better decision making for the business.
All data is stored in a centralised location and retrieving the data is easy with an interactive user interface.
A software is more than reliable. It is secure that safeguards the sensitive information of the medical shop completely.
What Are The Greatest Changes In Shopping In Your Lifetime
What are the greatest changes in shopping in your lifetime? So asked my 9 year old grandson.
As I thought of the question the local Green Grocer came to mind. Because that is what the greatest change in shopping in my lifetime is.
That was the first place to start with the question of what are the greatest changes in shopping in your lifetime.
Our local green grocer was the most important change in shopping in my lifetime. Beside him was our butcher, a hairdresser and a chemist.
Looking back, we were well catered for as we had quite a few in our suburb. And yes, the greatest changes in shopping in my lifetime were with the small family owned businesses.
Entertainment While Shopping Has Changed
Buying butter was an entertainment in itself.
My sister and I often had to go to a favourite family grocer close by. We were always polite as we asked for a pound or two of butter and other small items.
Out came a big block of wet butter wrapped in grease-proof paper. Brought from the back of the shop, placed on a huge counter top and included two grooved pates.
That was a big change in our shopping in my lifetime… you don’t come across butter bashing nowadays.
Our old friendly Mr. Mahon with the moustache, would cut a square of butter. Lift it to another piece of greaseproof paper with his pates. On it went to the weighing scales, a bit sliced off or added here and there.
Our old grocer would then bash it with gusto, turning it over and over. Upside down and sideways it went, so that it had grooves from the pates, splashes going everywhere, including our faces.
My sister and I thought this was great fun and it always cracked us up. We loved it, as we loved Mahon’s, on the corner, our very favourite grocery shop.
Grocery Shopping
Further afield, we often had to go to another of my mother’s favourite, not so local, green grocer’s. Mr. McKessie, ( spelt phonetically) would take our list, gather the groceries and put them all in a big cardboard box.
And because we were good customers he always delivered them to our house free of charge. But he wasn’t nearly as much fun as old Mr. Mahon. Even so, he was a nice man.
All Things Fresh
So there were very many common services such as home deliveries like:
• Farm eggs
• Fresh vegetables
• Cow’s milk
• Freshly baked bread
• Coal for our open fires
Delivery Services
A man used to come to our house a couple of times a week with farm fresh eggs.
Another used to come every day with fresh vegetables, although my father loved growing his own.
Our milk, topped with beautiful cream, was delivered to our doorstep every single morning.
Unbelievably, come think of it now, our bread came to us in a huge van driven by our “bread-man” named Jerry who became a family friend.
My parents always invited Jerry and his wife to their parties, and there were many during the summer months. Kids and adults all thoroughly enjoyed these times. Alcohol was never included, my parents were teetotallers. Lemonade was a treat, with home made sandwiches and cakes.
The coal-man was another who delivered bags of coal for our open fires. I can still see his sooty face under his tweed cap but I can’t remember his name. We knew them all by name but most of them escape me now.
Mr. Higgins, a service man from the Hoover Company always came to our house to replace our old vacuum cleaner with an updated model.
Our insurance company even sent a man to collect the weekly premium.
People then only paid for their shopping with cash. This in itself has been a huge change in shopping in my lifetime.
In some department stores there was a system whereby the money from the cash registers was transported in a small cylinder on a moving wire track to the central office.
Some Of The Bigger Changes
Some of the bigger changes in shopping were the opening of supermarkets.
• Supermarkets replaced many individual smaller grocery shops. Cash and bank cheques have given way to credit and key cards.
• Internet shopping… the latest trend, but in many minds, doing more harm, to book shops.
• Not many written shopping lists, because mobile phones have taken over.
On a more optimistic note, I hear that book shops are popular again after a decline.
Personal Service Has Most Definitely Changed
So, no one really has to leave home, to purchase almost anything, technology makes it so easy to do online.
And we have a much bigger range of products now, to choose from, and credit cards have given us the greatest ease of payment.
We have longer shopping hours, and weekend shopping. But we have lost the personal service that we oldies had taken for granted and also appreciated.
Because of their frenetic lifestyles, I have heard people say they find shopping very stressful, that is grocery shopping. I’m sure it is when you have to dash home and cook dinner after a days work. I often think there has to be a better, less stressful way.
My mother had the best of both worlds, in the services she had at her disposal. With a full time job looking after 9 people, 7 children plus her and my dad, she was very lucky. Lucky too that she did not have 2 jobs.