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Home > > Pulaski Bank Gold Visa

Pulaski Bank Gold Visa

Low rate
No annual fee
0% balance transfers
No fee balance transfers

Don't be left out in the cold

with your current credit card

Annual Percentage Rate for Purchases and Cash Advances:
7.99%
Annual Percentage Rate for Balance Transfers:
0% APR for 6 billing periods from the posting date of the balance transfer check *
Grace Period for Repayment of Balances for Purchases:
You have 25 days to repay your balance for purchases before a finance charge on purchases will be imposed. If the new balance is not paid in full within 25 days, a finance charge will apply to both the balance remaining (including current billing cycle transactions) and to all transactions during succeeding billing cycles until the new balance is paid in full.
Method of Computing the Balance for Purchases:
Average daily balance method (including current transactions). The finance charge for a billing cycle is computed by applying the "Monthly Periodic Rate" to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. To get the "Monthly Periodic Rate" applicable to the current billing cycle, the APR in effect is divided by 12. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases made on your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Annual Fees:
NONE
Minimum Finance Charge:
$1.00
Transaction Fee for Purchases:
NONE
Transaction Fee for Balance Transfers:
NONE

Transaction Fee for Cash Advances
Advances and Other Fees: Cash Advance Fee: None
Late Payment Fee: $15 for balance less than $100, $29 for balance of $100 to $1,000, $35 for balance greater than $1,000
Over-the-Credit-Limit Fee: $29.00
Insufficient Check Fee: $29.00
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DID YOU KNOW?

Hundred (100) is a magical number...if you feel that way. For the rational minds between us, it is just a number. How many of those real rational minds are there amongst us?

Before the introduction of behavior finance, the economic man was a welcome guest amongst the economists:

Homo economicus is a term used for an approximation or model of Homo sapiens that acts to obtain the highest possible well-being for himself given available information about opportunities and other constraints, both natural and institutional, on his ability to achieve his predetermined goals. This approach has been formalized in certain social science models, particularly in economics. (live from the Wikipedia)

If you observe the stock market however, you will soon doubt whether this (rational) man is always present...If you are to explore the depths of the stock-market, you are better off understanding people, than understanding money, finance or business...

In fact; Money, Finance and Business is again moved by...people. By us!

And having said that in the area of investment, you should ask yourself, how should I analyze the stock market?

If you feel that 100 is a magical number you will probably favor technical analysis. 100 could be a supporting or a resistance level.

Or if you think that 100 is just another number you will certainly prefer fundamental analysis. It is not about what people feel, but about the fundaments that support our economic system...

This (article) could be very well another one minute assessment. Choose what ever you think fits best when being challenged by the stock market. And don't forget to act accordingly...

A plant can save space, time and money with a carousel

Many companies think material handling automation is a nice idea, but something for the big guys. After all, computers and automated systems cost money. Automation is designed for high-volume shops. It takes up space. It requires training, and that means hours spent away from production. Once installed, automation needs to be maintained-and that means more downtime. Too often, the decision to automate is put off until a future day when the company thinks it's big enough to need it-or big enough to afford it.

In reality, material handling automation comes in many sizes. It saves far more productive hours than it takes in training, installation and maintenance. It can actually save space. It's not something that requires a plant to be of a particular size. In fact, it's an excellent way to help grow to the size you want to be.

Consider these examples:

An electronics company had four or five people picking orders from shelving on about 2,000 square feet of floor space. Installing two simple horizontal carousels allowed one or two people to handle the same volume while needing only 700 square feet.

In another application, eight to ten people worked two shifts picking airline parts from an area of about 15,000 square feet. With the installation of an automated storage system and its software, the floor space requirement was reduced to about 8,000 square feet-and the payroll to three people.

While the companies in these examples aren't huge multinationals, they still could use the savings. Eliminating perhaps 1,300 square feet of sorting space might mean putting off a move to larger facilities. Eliminating five or six related salaries might make the difference between loss and profitability.

In both examples, the basic automation tool is the carousel-an automated storage and retrieval system that rotates to deliver the proper part to a particular workstation. Instead of sending people wandering around vast shelving storage areas, carousels send the shelves to the worker, who stands in one place ready to do the next step: load the delivered part to the machine, work on the delivered assembly or pack the part for shipping.

At its simplest, the concept works like this. A vertical carousel in a machine shop is loaded with commonly used tools and small parts. This arrangement uses considerably less floor space than a standard shelving system. When a particular part or tool is required, the operator punches a keypad, the carousel rotates, and the needed item is brought within easy reach. Yes, it takes a little while for the operator to learn which buttons to push. But the first time the operator doesn't have to waste time looking for a part that has been mislabeled or placed on the wrong shelf makes up for the learning time.

On a more sophisticated level, carousels can use software to control the flow of inventory from the delivery point to storage and, when an order is received, from storage to the fulfillment and shipping areas.

Storing Discontinued Parts

For example, a company regularly discontinues old parts and gives its distributors a specified time to return unsold merchandise. As the returned parts arrive, an operator keys the part number (or scans a bar code) into the system. The carousel sends the proper bin to the workstation for the operator to store the parts. Then the software updates inventory figures.

When the grace period for returning this particular part ends, the system informs an operator, who empties the bin and sends the parts to inactive storage. The available bin now can be assigned another purpose-probably another discontinued part. Because software controls the system, similar parts don't need to be stored next to each other. Any available space can be used for anything that will fit, which eliminates the need for reorganizing the entire storage system periodically.

Volume

A plant with three or more workers, each making more than 1,000 picks a day from inventory, might benefit from the productivity gains that horizontal carousels offer. The horizontal carousel can serve several stationary pickers simultaneously. Workers no longer have to walk from bin to bin in search of parts.

While vertical carousels also offer productivity gains, it's usually not as a result of increasing volume. Vertical units usually serve individual workers who become more productive when they don't have to spend time picking when they should be doing something else.

If acreage is at a premium, carousels can help. Horizontal systems may reduce space requirements to some extent just because of more efficient storage and a reduction in the number of workers needed to do the work, but the real savings come with vertical carousels. They use the top half of a facility that most plants underutilize-without requiring extra space for forklifts or ladders to reach something stored on upper shelves. In this case, the carousel brings the parts down to the stationary picker standing on the floor.

Accuracy

Software-driven carousels encourage accuracy. Even with simple keypad-controlled systems, workers are far less likely to make mistakes. In addition, items are less likely to be stored incorrectly, eliminating time wasted looking for lost items. In most material handling applications, accuracy is important not only because it contributes to productivity: it also can have an impact on customer satisfaction, return rates or subsequent stages in the manufacturing process.

Inventory Control

When a plant installs a carousel system, it must revise storage procedures. This usually requires a thorough physical inventory and a rationalization of the process to produce a clean baseline for a fresh start with accurate information and better procedures. The carousel's accuracy makes it much easier to maintain the pristine condition.

With software-controlled systems, the situation is even better. The computer specifies which picks to make and moves the proper bin to where it's a simple matter for an operator to make the picks accurately. Then it removes the picked items from the inventory record.

Productivity

Vertical carousels deliver the correct part or tool to a worker quickly and accurately. Horizontal carousels, like vertical types, allow for enormous productivity gains.

Horizontal systems are usually installed in pods, with perhaps two carousels serving each operator. The now-stationary operator follows the instructions on the computer monitor and light trees on the carousel. Because the operator does nothing but pick, the number-of-picks rate rises dramatically.






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