What You Need To Know About Helping Your Personal Finances (2)

What You Need To Know About Helping Your Personal Finances

Managing personal finances is something that everyone must learn to be successful. While it may not seem easy, it is made much simpler by learning the right strategies and techniques, earlier instead of later. Read on to find helpful tips for helping you get a better handle on your personal finances.

A great tip that can help you with your finances is to open up a checking account. Checking accounts are great because they allow you to store money without having to pay any interest. Check with different banks to see which bank has the best checking account for you.

To ensure you always have money when you need it, create an emergency fund. It is best to have between three and six months income in a savings account that you can easily access. Doing this will assure you have money set aside in times when you absolutely need it.

To help you keep better track of your money, be sure to categorize all of your expenses. Have one category for fixed expenses like the mortgage payment, another for variable expenses like the phone bill and credit card payments, and a third for things like shopping trips or meals out.

Maximize your mutual-fund investment with dollar-cost averaging. Everyone knows the advice to “buy low and sell high”, but even experts can’t usually time market tops and bottoms. However, by investing a fixed dollar amount in a mutual fund on a … Read more...

SAP Business One in Brazil and South America

SAP Business One in Brazil and South America

SAP Business One has up to 10 thousand installations worldwide and in the perspectives of Latin/South America we are talking about multiple countries, such as Chili, Argentina, Venezuela, Colombia, Mexico, etc. Brazil however has some implementation, localization and customization challenges. Being purchased from original vendor in Israel, SAP Business One has such nice features as Multilanguage in one database/company, multicurrency, MRP/Production/Manufacturing, Service Management, CRM (with graphical interactive sales funnel), integration with MS Office on COM level, Drag and Relate, from technical side – Microsoft SQL Server database platform, etc. We’ll describe Brazilian market challenges in the small article format:
• Tax Engine. Who is familiar with the subject understand the importance of Brazilian, Indian, Russian, French tax engine localization. Being very efficiently designed, SAP Business One object model structure still required a lot of development efforts to localize SAP Business One tax engine to Brazilian tax code. SAP seems to have global strategy, while developing Brazilian tax engine. It plans to use the same flexible construction to adopt/localize SAP BO to Indian market, where we have similar issues (uniqueness of the tax code)
• Potruguese/Braziliero translation. This is where SAP BO is really strong – you can switch American English to Portuguese by clicking CNTRL-XXX combination (you will have to close all the SAP BO windows, but hey – this is not a big deal comparing to the amusement to have Multilanguage feature in the same company). Plus you can have user … Read more...