A payday loan is a short term loan that is intended to cover a borrower’s expenses until his or her next payday.Payday loans, also known as cash advances, can easily be obtained by submitting an online application form. These forms usually take less than five minutes to fill out.Once a payday loan lender receives your application, they will call you to verify the information you provided on your application form online. They will also verify your employment and any other source of income you may receive. Individual companies have their own rules. Some companies require you to have held a job for at least 6 months and to have an active checking account of at least 3 months.After verifying your personal, employment and bank information, the cash advance lender decides to approve or reject your loan application based on their criteria.While most companies have a long list of requirements, some companies have very basic requirements. You must be at least eighteen years old, own a bank account and have a job (making at-least $1000 a month after taxes).Once approved, cash will be deposited directly into your checking account as early as the next business day. You have all the freedom you need to spend your money the way you want to.Now that you have spent the money you borrowed, the question is how to repay the loan and fees. In most cases, you do not have to do anything, the loan repayment and/or the loan finance charge is electronically withdrawn from your bank account on your next payday.You can turn to payday loans when an unexpected expense occurs or you are short on cash and your payday is days or weeks away. Payday loans can bridge the gap between paydays and can make any day your payday.For people who have less than perfect credit or no credit at all, a cash advance is the easiest way to get money. If you can’t get a loan from a bank, don’t sweat it. Cash advance lenders can get you the cash you need when you need it most.One of the reasons people choose payday loans is speed. You can get cash instantly when you need it.The process of getting a payday loan is very fast and convenient. You can complete the loan application online at the convenience of your own home and get the money right away. Traditional banks can take forever to process your loan no matter how little the amount of money you are asking for. They will even complete a background check on you.Cash advance can help you avoid paying penalties and late charge fees. The fees financial institutions charge for late payments or bounced checks are much higher than the fees for a cash advance. Borrowing the money from a cash advance company is the smarter choice.Another benefit of a cash advance is that it is discreet. No one will know that you have applied for a cash advance. You will also save a lot of time because the whole procedure is carried out on the internet. There is no driving around or standing in lines.Paycheck loans should be used to solve short term financial challenges and should not be overused. If possible, it is better to pay back paycheck loans as quickly as possible.Before you apply for a loan, do some comparison shopping online and see which lender is right for you. See which lenders can provide you the loan that fits your situation. Be sure to check the terms and conditions before you sign up for any loans.Once you know all you need to know about payday loan, you can go ahead and enjoy the benefits of payday loans.
Microsoft Dynamics Business Central for Manufacturing – A Viable ERP System?
Why Should we care if we can use Dynamics Business Central for Manufacturing?Given the disruption of the past year, a lot of businesses are investigating ways to work remotely and in a hybrid work environment. There are a few technologies that manufacturing companies need to use that don’t work well remotely. One of them is ERP systems. That’s why we should care about Dynamics Business Central for Manufacturing.If you are looking to replace an ERP system because you want to ensure it facilitates remote work, cloud ERP is where you need to look. My experience is almost entirely with what is often called “SMB” or Small and Medium Business manufacturers.There are not a lot of good, modern cloud based ERP systems in the mid-market / SMB space. There are even less that really support manufacturing. That means that the best cloud systems are priced out of most manufacturers budget.Oh, In case you are wondering, Microsoft defines SMB as businesses with less than 250 computers. That’s a pretty large manufacturer.What is Business Central?In the simplest terms, Business Central is the new brand name for Microsoft Dynamics NAV. In all the ways that count this cutting edge new cloud based ERP is the old Dynamics NAV reimagined in the cloud.Microsoft did not shirk on the technology either! They have a boat load of money, and they were willing to spend a lot of it on Business Central.The full name of the product is Dynamics 365 Business Central. That 365 should look familiar, because it appears on Office 365, Microsoft 365 etc…This does mean that Business Central is part of the same suite of products you might already be using for your Outlook email, Teams communication, Microsoft Word or Excel productivity tools. And yes, that is a big advantage to Microsoft. It doesn’t mean that it will work in Manufacturing however – so that remains to be seen.How does it compare with more traditional manufacturing ERP?I recently wrote a blog comparing Dynamics Business Central for manufacturing with a pretty well respected mid-market pure manufacturing ERP called Infor Visual ERP.I worked extensively with Visual ERP for almost 20 years (ironically I never sold a copy in all that time). I ran the firm that people who had trouble with the system came to for help.When I migrated my business away from Infor Visual, I investigated a lot of products. I settled on Dynamics NAV (which later became Business Central) after significant research.By 2014 we had started switching Visual ERP customers Microsoft Dynamics NAV manufacturing. There are a few small areas that Visual might do a bit better in. That is more than overcome by two main factors that make Microsoft Dynamics Business Central for manufacturing really shine.CustomizabilityDynamics NAV and now Business Central are extremely easy to program, which let us enhance it in ways you absolutely could not with Visual. It’s so easy to program that we are essentially giving away “Missing” Visual features when we sell the product.This customization let us plug any holes we found. It also allowed us to do the one thing Visual customers always cried about. We could make small, easily maintained, incremental changes. We could adjust the system to make it work better for the customer.We avoided any kind of massive programming (although in my time I’ve seen other partners who didn’t avoid the same). We focused on making really useful changes that allowed the customer to get rapid benefits. This made a huge difference to customers. It can be a game changer when a very small change saves staff hours every week.Dynamics 365 AppSource AddonsMore or less related is the existence of addons for Microsoft Dynamics products.When we first started selling Dynamics NAV for manufacturing, there was no AppSource. AppSource is like the Google Play store or Apple Apps store. It’s a place to go and rapidly (in seconds really) install addons.In the early days these addons existed, were certified by Microsoft, but did not exist in any central location. Today things are even better. With Appsource we can really enhance Dynamics Business Central for manufacturing. I mention a couple of those modules below.Wait! I have to get Addons
Agile Manufacturing
Version Management
Inventory Planning
Demand Forecasting
Machine Centre Management
Capacity Planning
Finite Loading
Production Bill of Materials
Production Scheduling
Supply Planning
Modes of Manufacturing for Business CentralI tend to think of manufacturing ERP projects in terms of the mode of manufacturing being used. There are different definitions from different organizations (mainly APICS) but these are the ones I tend to see and my take on how good Business Central for manufacturing is for these modes.Engineer to Order – ETOThis is my favorite. I worked at an ETO for a few years before starting my own business. Dynamics Business Central for Manufacturing includes a really powerful project accounting module called Jobs. Since ETO manufacturers are really project manufacturers, this jobs module is a solid foundation. There are a few additional addons that I strongly recommend (including one that we created) to make the fit even better.Overall – Business Central for ETO is really good.Make to Order and Make to Stock – Production ManufacturingMake to Order and Make to Stock are usually two separate modes of manufacturing (and they are) but I combine them into one mode I call Production Manufacturing. The out of the box manufacturing modules that are part of Business Central Premium work great for these businesses. Many of them also want the addins that I list below – which are great extra features.Job ShopsJob shops tend to come in the biggest variety and tend to actually not fit that well into either ETO or Production Manufacturing. I’d want to see the Job Shop to see whether it’s more of a micro-production shop (very common – I call these “repetitive job shops”) or whether it’s more of a custom mini-project manufacturer like a light ETO.These businesses vary a lot in what they make. A food co-packer is technically a job shop. So is a welding service business, a small machine shop etc…Whatever the case, it is a good fit for Dynamics Business Central for manufacturing.Process ManufacturingProcess Manufacturing is usually related to making one of the following:
Cosmetics
Chemicals
Nutraceuticals
Pharmaceuticals
Food manufacturing
Process manufacturing needs some heavy duty addons for Business Central to work properly. This is outside my comfort zone to be honest. The regulations and batch manufacturing processes are really unique. I have a few colleagues that I send these kinds of prospects to. Those addons for Business Central are extremely good, and handle this industry very, very well.Graphics Arts ManufacturingPrint Manufacturing is it’s own sub-type, really a form of either Job Shop or Production Manufacturing depending on what they make. These businesses don’t work as well out of the box with Dynamics Business Central for Manufacturing. They usually fall into these categories.
Commercial Print (magazines, business carts, posters, flyers etc. – a real Job Shop)
Folding Cartons (think a toothpaste box, or cereal box. Can be production or Job Shop)
Flexible Packaging (these companies make the plastic bags you get consumer goods in)
Labels (could be a wine bottle label, or a shampoo bottle, or your aspirin).
Wide Format (think huge banners, giant photographs on walls in a mall etc.)
This mode of manufacturing has a really great addon for Business Central called PrintVis. PrintVis is a Print manufacturing MIS software addon that turns Business Central into arguably the best Print MIS in the market.Add-ins Recommended by MeMy team has reviewed many addon solutions since we started working with Business Central for manufacturing. Here are our top choices:InsightWorks Shop Floor Insights (SFI)This is a manufacturing execution system for collecting job costing data (time), production reporting and materials use in real time. Comes with a nifty scheduling tool also.InsightWorks Warehouse Insights (WHI)This product is my favorite wireless barcoding solution for warehouse management. It runs on most of major brands of wireless devices used in warehouses today. I think it’s a great mid-level warehouse management solution.Netronic Visual Production SchedulerFor those who need a a graphical drag and drop scheduler, Netronic is the industry standard for Business Central. Their Visual Production Scheduler is more or less for visualizing and manually editing the schedule. The Advanced Production Scheduler is more robust and will do best fit scheduling.ConclusionWe’ve taken a look at using Dynamics Business Central for manufacturing in this article. I’ve had the opportunity to oversee the implementation of this system in more than 50 companies, and so far, so good. For that SMB manufacturer with 20 employees who work in the office and 60 that work in the shop – this is a great system. We’ve got a few customers with 500+ total employees using it very successfully. We also have a few with 10 total employees, and they are able to make it work.If you are a manufacturing company that is in the small or medium market (again – less than 250 computers) looking for ERP I strongly suggest you look at Microsoft Dynamics. I can confidently say that as an ERP Dynamics Business Central for manufacturing is a great fit.
Vertical Vegetable Gardens Offer Health Benefits and Increased Self-Sufficiency to City Dwellers
Do you live in the city and would love to have a vegetable garden, but are constrained by a small garden space? If you really want to grow your own fresh vegetables, then there is an answer for you. You may want to plant a vertical vegetable garden right there in your small area. A vertical vegetable gardening can easily produce as much vegetables as a normal garden.Remember, you don’t need to limit yourself to only growing outdoor vertical gardens. While caring for a vegetable garden in your apartment or other confined area could be a little tricky, it’s not impossible and very rewarding. Gardening indoors will allow you to grow vegetables that aren’t found in your region’s climate, offer you better variety to choose from when planting. It has also been demonstrated that live plants can improve the air quality in small spaces. While it maybe necessary to have proper ventilation to prevent any possible odors, others felt that they can breathe better and are generally calmer because of the refreshing oxygen emitted by your plants.Vertical vegetables gardens are not a new ideal however at times they are mistaken with a living wall. Since both living walls and vertical vegetable gardens could be used for producing vegetables and fruits, living walls are more focused on beauty than production of food. This form of gardening could be done either in your apartment or in your small backyard garden.In vertical gardening you train the vegetable plants to grow upwards. They have designed specific structures that contain the entire garden within a small area. With the proper frames and cross shelving setups, you will find it’s rather simple to train your plants to grow vertically.There are ready-made vertical gardening kits you can buy that will eliminate the guess-work in constructing your setup, however if you want to you can do-it-yourself route. If you decide on a DIY method, be sure that the design structure you”re using to build your vertical vegetable garden is capable of holding the materials, soil, water, and the plants you want to grow in your garden as well as the vegetables it will produce. While you can find detail information online as to the weights of the different parts to your new garden. We have found that such ready-made kits can often save a lot of time – not only with setup, but also they prevented lost “growing” time that you may encounter with wilted plants that did not get the proper amounts of water or soil.If you decided to build an indoor vertical vegetable garden, spend some time looking for the ideal location, as your plants will need enough sunlight to thrive. If you are in the city area where large buildings block most of the natural light coming from your patio or windowsills, you will need to buy lamps that produced specific light to help in growing plants and vegetables.If you want a true organic garden, you will want to research how you can apply composting ways to the soil used in your vertical gardens. A proper drainage system is important, as well as good air circulation (whether indoors or out). NASA scientists have researched a variety of vertical gardening methods, which suggest that the supplies and processes of how to grow vegetables and herbs vertically will continue to get better with advance technology. While large grid systems and advanced hydroponic watering techniques may not offer possible solutions for your cement porch, we can use the concepts and the ideas they create and can scale them down to fit our own needs.It would be good to stick to some simple steps to make sure your success as you begin to learn how to work with your space and your climate restrictions when you grow your first garden. For starters, consider growing peas, green beans, cucumber, squash, lima plants, and tomatoes, as they are great climbing plants in nature. As you become more comfortable you can grow other types of vegetables in your vertical garden.Also, be sure you have the supplies you’ll need before planting your garden. This is important for plants that need vertical support, because seeds begin germinating almost immediately and it is best not to disturb the dirt by adding supports at a later time. Also make sure that your vertical vegetable garden is not entwined with shrubs or other plants that may divert water away from your plants or block out their sunlight. Once again, after some time, these issues may not be of a primary concern, as a beginner looking to start their first vertical garden you should keep these issues in mind.Vegetable and herb gardening has always been known to offer “green” ways to lower environmental footprint, but those opportunities has been limited by space and region. Fortunately, with the new fun trend of vertical vegetable gardening, those who live in urban area can enjoy a similar level of increased self-sufficiency as they raise their own, healthy, fresh grown vegetables.