Property Investment Vs Property Speculation

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Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

Posted in: Investment \ Tagged: ,

Sap Business One Implementing Notes Adding New Fields And Tables

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In comparing to other ERP and Small and Midsize Business Accounting applications, SB1 is more flexible and where traditional system may require programmer to code the custom logic and then integrate it with existing user interface and the database – SAP BO may have this custom logic to be easily set up in User Defined Tables and User Defined Fields, and SAP B1 software developers already supplied simple user interface to work with newly created objects, let’s us show you how. We will be assuming that you are on SAB BO version 2007A, international version 2007B should be the same if you translate our article to you local language, and if you are on SB1 2005A/B, you should be able to find the same functionality in slightly different menu paths:

1.OK, let’s assume that you need few new fields to be associated with Business Partner, such as Statement Type: email or mail. You will need new field on the Business Master table, the field should be named Statement Method, it should be Drop Down List with two options: Email and Mail. Please, open Tools->User Defined Tools->User Defined Fields-Management. Expand Master Data, Business Partner, highlight it and click add button at the bottom of the form. Name the field Statement Method, give appropriate description, alphanumeric, Structure: regular, mark Set Valid Values for the Field and click new to create Email and Mail options in this new DDL. Now, open Business Partner and pull out existing customer, for example. in Menu: View->User Defined-Fields and you should notice that New Small Windows is now open to the right of the Business Partner Master Data window, here you may select Email or Mail from DDL, when you will click on OK (or Add, if you are adding new Business Partner/Customer), Statement Method will be saved together with the regular Business Partner info. For those of you who are IT people or Software Developers, please click on View->System Information and then place your cursor over new field – you will see that it is created in OCRD table (Business Partner Master Table)

2.Let’s come out on the fresh air and between us, who are Corporate ERP consultants discuss, what we just saw. In other more traditional Corporate ERP, MRP, CRM, Sales Order Processing systems, etc., this is legitimate so-called “customization”, where programming is required or at least recommended. SAP Business One does the job in out-of-the-box install with five minutes long setup procedure. Please, relax and expect more surprises, let’s move on to new custom table creation

3.User Defined Tables. Tools->Customization Tools->User Defined Tables Setup, here give it the name, description, and select No Object if the table will be stand alone, or select Master Data if it is supposed to be linked to Master Data table, or Master Data Rows (in you plan to link it to Business Partner Address, which is Master Data Row classified table), Document (if you plan to link it to AR Invoice, or other legitimate document header), or Document Rows (if you plan to link it to AR Invoice Inventory Item or Service Line, for example). In our example, let’s try to be moderate and give you just simple example, we would like to create Non-Inventory Item Monthly Cost table, which is No Object. Give it the name, description, and then Tools-> Customization Tools->User Defined Fields Management, expand User Tables, highlight Non Inventory Item Monthly Cost and click Add: Add Year, Month and Cost fields (feel free to apply your judging on the type). Now, let’s enter the rows into newly defined table. User Defined Windows, select your newly created table and feel free to enter data there. Small comment, SB1 designers looks like were trying to make our life easier, so the created two mandatory fields: Code and Name, we recommend you to enter unique values there

4.SAP Business One Executive Demo or technical presentation. Via Web Session and Phone Conference you can request this service being USA, Canada Nationwide, in Europe, Brazil, Latin America and Internationally

5.Second Opinion on SB1 implementation or modules selection. This service is popular if your local SB1 reseller failed in challenging implementation, when you have to do complex Data Conversion, Integration to Legacy Systems, including Lotus Notes, Oracle Custom DB, legacy ecommerce

6.SAP B1 as Publicly Traded Multinational Corporation local branch ERP. SB1 licensing is relatively cheap and considering the fact that it is localized (translated to local languages in the majority of the countries: Brazil, Mexico, Venezuela, Colombia, Israel, Russia, China, to begin the long list; plus it is certified with foreign countries tax agencies). Special considerations to the customers, where their corporate ERP is not localized in the overseas branches. Good example is Dynamics GP Great Plains, it is only supported in USA, Canada, UK, Australia, New Zealand, Arabic countries, Spanish Speaking Latin America and English Speaking South East Asia. If you have Dynamics GP Great Plains as your Corporate ERP in USA or Canada, please consider SAP Business One in such country as Brazil, Russia, Poland, Lithuania, Latvia, etc., for your local branch with GL or even full data consolidation to Dynamics GP via Great Plains Integration Manager. SAP Business One allows simple data export to Microsoft Excel, or you can do exported data marking on SB1 SQL DB level

7.How to get help? Please, call us: 1-866-528-0577,

Posted in: Business \ Tagged: , , ,

Payday Loans For Social Security Recipients- Get Instant Cash Through Internet

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Payday loans are best way to get cash for your short term needs. Whenever there is some emergency just apply for payday loans for social security recipients. These loans are especially for those who are on social benefits. Apart from this, a borrower needs to have an age of above 18 years, nationality of USA, an active checking bank account and a source to repay loan amount. These types of loans are best way to get cash for your short term needs. With the assistance of these loans one gets requested loan amount in just 24 hours.

Payday loans for social security recipients are a type of payday loans that are especially crafted to help those who are known as bad creditor. Usually traditional lenders reject loan application of those who are facing bad credit situation. But now it is easy to avail cash as there is no credit checking formality. To stand eligible for this loan scheme you are required to meet the following conditions:

Every borrower must have an age of 18 years or above that.
He/She must have nationality of USA with valid social security number.
An active checking bank account is necessary for every borrower.
It is necessary for every borrower to earn a paycheck of above $1000.

These loans can easily be applied through internet. Applications form is easy to be acquired on lender’s website. This form is designed with so much ease that even a lamb person can also fill this. To fill this form you just have to provide your basic personal details and checking bank account details. Apart form these; there is no other formality of a lender. Usually these loans are unsecured in nature and offer you up to $1500. To get some more cash you will need to pledge collateral for borrowed amount. As you all know payday loans are short term in nature and required to be repaid till next payday. But these loans can also be used after due date using roll over option. For this you will have to pay penalty fee along with high interest rate.

Posted in: Payday Loans \ Tagged:

Small Business Organization Online Supporting Startups

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There are some serious considerations to be made when you kick off
your startup. You need to get the ball rolling without too much of road
blocks. You need office amenities; you need office supplies,
telecommunication and internet. You need to get a lot of aspects in
order before you can have clients on board. To welcome clients, you will
need infrastructure like computers, equipments, even furniture. While
you are checking these on a must-have list, you have the financial bills
to take a look at, too. If you are shooting off the budgets you had
determined for yourself, you can no longer be able to pay for some other
necessities. Let’s face it: startups don’t have much of money to begin
with. It is only when the work starts to roll that you can get to see
the earnings on your account ledgers.

Small Business
Organization (SBO) Online is one firm that understands your predicament
in the correct sense of the term. Without claiming to be a major tour de
force that can change the way you do business, it does make a
significant contribution to your startup. A mind-boggling assortment of
services, features, offers and rebates make SBO a firm for those who
want to do serious business. It offers practically every help that you
would need to start off a business venture on your own. It has a very
flexible policy of subscription and you can join their network at any
point in time. You can talk to their executives at any time of the day.
Also, you can check out their website at sbo-online.com

Let’s
take a look at the services that they provide. SBO-Online provides
subscribers with free high-speed internet! Internet is one thing that
you will definitely need, no matter what kind of business you decide to
start. SBO ensures that you have an internet connection that is nothing
short of phenomenal. The speed is excellent and so is the stability. You
can use the internet connection across the USA and even in Canada. The
internet provided by SBO-Online is very different from the usual ones
that you find. This sort of a connection would be exactly what a startup
needs to flag off the business. The internet comes with a calling card
of 500 minutes at no additional charges. To avail both of them, all you
need to do is sign up as a subscriber!

SBO Online is offering
you discounts across office retail stores in USA. You can avail the
discount coupons to purchase any office supply that you need to set up
the new office space. You can avail unbelievable discounts ranging from
35% to a staggering 75%! With the help of the office supply coupons you
can buy everything you need in an office: business machines, paper,
janitorial supplies, etc. In fact, with the help of SBO, you can avail
discounts on the entire furnishing of the office. You can have discounts
on paper and printing as well. SBO-Online is just what the doctor
ordered for startups.

Posted in: Small Business \ Tagged: , ,

No Teletrack Payday Loans Direct Lenders Get Fund Right Away

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No teletrack payday loan companies offer cash advances for people who have monetary emergencies and they want to get rid of fiscal crises but the problems arises is that they dont have sufficient funds. At that situation they feel themselves helpless but now, they have no need to be panic any more. They can take help of no teletrack Payday Loans and can accomplish your all financial crises such as electricity bills, water supply bills, medical treatment, home renovation, car repairing, arrange the marriage party, purchase the some item to decorate the home in occasion of any party or festival.

You can get the loan amount range of $ 100 $ 1500 and the repayment duration of payday loan is 15 to 30 days. If you dont have fax machine and you are in need of small cash immediately, dont to be panic go and apply for no teletrack Payday Loans. These loans are hassle free from faxing of any documents. To apply for no teletarck payday loan, one thing makes sure that the rate of interest of payday loan is bit higher in comparison of the other loan. There is good news for you that are now to avail the loan; you have no need to go here and there. You just to need to fill up an online application form with some personal details and can get cash quickly.

Before availing the loan one thing, one thing keeps in your mind that to get the loan you must have some eligibility criteria which are given below.

You must be adult at least 18 years older.
You must hold USA citizenship and must submit a proof of the same.
You must have a current active checking account that must be valid because the amount of money for which you want to apply for No Teletrack Payday Loans is directly transferred in to your bank account after the processing.
You must also have a regular income that must be at least of $1000 per month.
You must have been staying in the same residence for the past six months.
You must submit a post-dated check for the borrowed amount plus the interest rate at the time of applying for loan.

If you fulfill eligibility criteria, the next day you see that the cash is in your bank account within twenty four hours on the same day.

Posted in: Payday Loans \ Tagged: ,

Are You Rights For a Career in Radiology

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Radiology is a very exciting career with some bright prospects for the immediate future. With a current shortage in radiological staff across the USA and Europe, you are almost guaranteed a job. With starting salaries as high as $50 K, it really is well worth looking into. Radiology is not for everyone though as it requires a very specific skill set and a very specific person to flourish in this career.

If you are considering a career as a radiological assistant or even as a Radiologist, then here are some guidelines on what type of person you need to be.

The first and most important requirement is that you love working with people. Even if you are not a doctor, you will be working closely with patients and often with patients in distress. The ability to deal with these situations and a genuine desire to help is vital if you are to be successful in this career. You will also be working closely with doctors and the accuracy of your work is really important. You need to be someone who is meticulous with an eye for detail. You need to be someone who is thorough and who knows how to take initiative in difficult situations.

A large part of the job revolves around operating expensive and complicated machines. X-ray machines, MRI machines or even sonar equipment are highly sophisticated pieces of equipment and if you aren’t naturally adapt to work with computers and electronic equipment then you might struggle with this.

All careers in Radiology requires a degree or recognized diploma and most medical schools around the world have special courses for Radiological technicians. Many online universities also offer radiology degrees now and depending on the qualification you get it can be anything between 1 and 3 years of full time study. Its a tough course that covers anatomy, physiology and a lot of technical training.

It a challenging career but its very rewarding – both financially and emotionally. The majority of jobs is with hospitals although you can go into private practice or even join veterinary clinics or research laboratories.

Posted in: Career \ Tagged: ,

Corrective Business Management A Tactic For Survival

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Strategy
Review your business’s strategy. Does it make sense? Can it be executed? Is it too “pie in the sky?” How does it address your markets and your businesss core strengths? A clear strategic plan is the basis for success in good times and in bad times. Look at the big picture and determine the strategies needed to be set in place for success.

Execution
The best strategic and business plans are worthless without execution and metrics. Do you have metrics in place to measure performance against financial AND operational targets (objectives)? Which objectives are hitting the mark and which are not? Why? Who is accountable? What is being done to address the weak areas of performance? A business is only as strong as its weakest employee.

Customers
During a questionable or stalled economy it seems as if businesses of all sizes are quick to put customers (those who pay the bills) last. This is a definite no-no! It is time to re-evaluate what the business is doing to delight customers and prove that they come first. Customers are the companys best asset and it costs much less to keep existing customers happy than to find new ones. No matter what the business product or service offered, customers have choices. Take the steps necessary to make your business their FIRST choice. Ask THEM if their needs are being met and what improvements can be made within the company or organization to keep them satisfied and wanting to come back.

Cost and Expense
Businesses are quick to cut expenses and people when there is softness in the economy. This is so easy, that even a child with a lemonade stand can do it. But it is often NOT the right answer. First look at where resources are deployed. Most resources should be involved in driving revenue and overall customer satisfaction. Keep your overhead costs to a minimum and watch your bottom line expenses. If that means redeploying and retraining, then it should be done. Secondly, before there are lay offs cut the outside contractors and consultants and perform what you can in-house. Also, cut salaries and bonuses at the top of the organization first. The biggest cuts should be among the biggest bosses (not the customer) facing employees and sales force. Finally, ask for input, the people on the floor and in the back office usually know where the biggest opportunities for REAL efficiencies exist. Ask them, and when you do, be sure to act on their recommendations and recognize them for their ideas.

Speed
I am amazed by what the USA did to mobilize resources in a very short time during World War II on the home front. Factories went from making automobiles and refrigerators to making military tanks and aircraft in huge quantities in an amazingly short time period. Imagine what it would have been like if they had had computers. So why does everything (except perhaps the Internet) take so long today? The time frames required to develop new products and services are often years rather than months. Look at timelines required in your business today and cut them by 25% to 50% while maintaining the same level of quality if not better. It can be done and this will definitely be a competitive advantage for your business.
For example our company determined how to quick turn our design and graphics production timelines without sacrificing the final product or service. We implemented our philosophy to under commit and over deliver, and actually did it! We analyzed how much time was needed for all types of production and cut it down by 25%. Once successful, we then took another approach and cut the time down again, still delivering the same quality product and excellent service to our customers while maintaining our quality of assurance systems in place.

Innovation
It is a natural tendency of most businesses, no matter what size, to take fewer risks when times are lean and mean. This includes new and innovative ideas for products, services, marketing and the way business is done. The BEST time for risk taking and innovation is when the economy is challenging and other businesses are cutting back. While most businesses are tightening their belt, businesses that take risks and push innovation stand out among their competition. Innovation is not limited to research, development or marketing. It should encompass all functions and aspects of any business that show others that you have what it takes to survive and are taking the risk that most businesses wish they could. Either step forward into growth or step back into safety.

Terms such as flat, downturn, recession, and stalled economy drive chills through most business people at any level. Money is tighter and market opportunities shrink, but there are winners and losers in both good and not so good economies. By addressing these areas of strategy, execution, customers, cost and expense, speed and innovation, any company (regardless of size, market or industry) can be a winner during recession. It is all about being an effective leader in an economy where there is doubt about the future.

Correct management is definitely the key for a business to survive crises like the current economic climate. In order to execute correct business management, several strategies need to be observed, executed and measured. Businesses must smarten up, market, manage their people, and follow their vision.

Posted in: Business \ Tagged: , ,

Debt Consolidation Program – Practical Action for Financial Steadiness

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The economical sectors of USA deeply and critically function with the challenges of present circumstances and debt crises continuation. The middle class individuals uncertainly survive with their exploded ranking and heated budget line try to manage. Loan providing companies without checking the status of clients extremely increase the interest rates to attain profit. That experience you will still realize up to several upcoming years. Many people’s provide suggestion that what source you take as assistance but if you want cash help escape or break the relations. Every person just consider about their only personal requirements. For the thousand of dollar repayments apply on the easier method of refinancing known as debt consolidation program. This refinancing scheme is particularly approved from the government and do better act.

The horror of debt chaos is rise up when the budgetary order out from the perfect regular control. For getting this practical action not any hard demand, for helpful assistance creating claim for the financial data of expenses and credit and compulsory for all to provide. For completing the ambitions of life need of good credit history and debt consolidation program can be great chance for the removal of massive debts and absolutely proven. The one of the most favorable direction is online route for wiping out the difficulties of debt heaps and connection with genuine source. To judge the consistency of firm is best to consult with BBB and then pick the ordered application.

The frame of debt advisor work you need to aware because in crises situation create for rejected the fiscal disappointments. For the segment of negotiate with creditor on your behalf with rules formulate steps. The very first action in debt consolidation program is merge form of total debt measures. Debt advisor tackle the act with single repayment to grab declaration of debt elimination. Reasonably, you can avail 50 percent cutting from ordinal sum unpaid. The interest rate is freeze and never rises up or changed until the getting required concluding solution. As usual normal flow you payoff monthly fixed figure and debt advisor not make additional load. Within length of maximum 2 years you have achieved good credit rating with debt liberation. That financial act is favorable to build fantastic and exceptional ground of financial steadiness.

With many incentives you have move forward at the excellent consequences. From sensible budgeting and capable saving you could proficient to control any unexpected drastic condition regarding financial cash flow. The attached cash penalties are substantially escaped. Debt advisor not released your financial date to any third person without your permission. In addition, you will be protected from hacking surrounding of more than one creditor. So, you could be stuck with prosperity and good financial health by restoring your losses.

Posted in: Finance \ Tagged: ,

Supporting Sap Business One If Your Implementation Failed – What To Do Next

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This small article is written with the international focus. SAP B1 was initially targeted to small businesses, however its reasonably rich Corporate ERP functionality dictates mid-market user license cost (especially for SB1 professional user, where license is close to k$3 in USA). There is large number of Certified SAP BO consultants on the Corporate ERP consulting market, however in our opinion SAP B1 requires closer attention to such technologies as Crystal Report, SB1 SDK (Microsoft Visual Studio ecommerce programming in C# and VB.Net), SAP Business One Data Transfer Workbench (where you do initial SB1 data conversion from your legacy system, such as MYOB, Peach Tree, Quick Books, Accpac, Great Plains Accounting for DOS, Windows and Macintosh). We do not pretend to be ultimate authority for SAP Business One implementation recovery, however we did the service for numerous companies in the USA, Canada, Brazil, Russia, China. OK, below is our article:

1.Corporate ERP localization dilemma. Typically your problems are related to language translation and the compliance to the local country tax and corporate reporting legislation. SB1 is localized and certified in most of the Globe (probably excluding Arabic alphabet countries). SAP Business One supports Unicode (Chinese, Japanese, Korean). SAP certifies its SB1 application with local tax and government authorities in the countries, where SAP Business One is localized. New SAP Business One version 8.8 is now available on the same flavor for all the countries (while 2007 and 2005 versions were available in A and B flavors, and you had to implement them on different SQL Servers with different code page and language collation). For SB1 8.8 you can deploy SAP Business One system for all your international companies, where SB1 is localized: China, Russia, Korea, Japan, Thailand, Brazil, India, France, UK, etc.

2.SAP B1 implementation recovery service. We saw numerous implementation screw-ups when your company requires challenging technology integrations: ecommerce, barcode scanning and integration, EDI, customizations, Crystal Reporting, deep data conversions from your legacy accounting package to SAP B1. And you have to be tolerant to the consulting industry practices: your generic certified SAP Business One consultant should be good in Corporate ERP presentation, user licenses sale, CPA type of the implementation with reasonable onsite user training, simple initial data conversion (via SB1 Data Transfer Workbench, where you should help your consultant to prepare CSV files, based on DTW CSV templates)

3.SAP Business One Data Conversion Puzzle. Typically here you have the problem with your current SAP Business One Reseller, who has no experience in industry specific data massage and migration from your legacy accounting or Corporate ERP to SAP Business One

4.Do I have to switch out to another SB1 Partner? Yes, this is what you have to do or what is sort of recommended. Your SAP B1 Partner has access to your company record in SAP Portal and it allows your chosen partner to broke for your and sell you new software licenses

5.How to get help? Please, call us 1-630-961-5918, in USA or Canada: 1-866-528-0577, or email us:

Posted in: Business \ Tagged: , , ,

Employment Background Check in Texas Online

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The second most populous state in the USA also considered as second biggest state which is Texas, sadly ranked 10th in terms of recorded and reported crimes committed reaching up to more than 1 million records. Hence, although it is large enough, doing a Texas Criminal Records search may not seem difficult at all inasmuch as the state allowed these records to be accessed by the public domain.

To narrow down your research, said criminal records are available in different levels of the courts. This could be federal, national, county and city. It pays to know which court level is the record you are trying to locate. Tons of information may be offered for free but one has to keep in mind that there is no -free lunch- in the world, which means that if you need the information especially for legal proceedings then it is right to expect that you have to shell out some amount.

Expectedly, the usual information that a criminal record yields is the person’s necessary data. It could include the full name, date of birth, age and hometown or exact address. All individuals running a search for criminal records can have ready access to these information inasmuch as such are said to be public records in the state of Texas.

The Department of public safety is the repository office of Texas which means it is the maintaining office of the state’s vital records of which criminal records are included. The data that are stored in this office are obtained from the criminal justice agencies of Texas. The state’s government assures the general public that all information contained are updated and accurate.

Knowing that public criminal records are documents for public’s inspection, will give you the relief that getting the information firsthand and hassle free is definitely possible in these modern days. There are three various ways you can do this. Personally paying visits to places where the criminal records for the individual is found, you can also get in touch with the in-charge personnel through emails and the most convenient way of doing research is through the online solutions provided by the government websites that come free for consumers, though at some instances a nominal fees for admin charges are imposed.

The most certain thing in this world is change that is why technological innovations in these modern times are certainly unstoppable! Making sure that you are safe is undoubtedly the best move that you can do. Now is the time for you to start, get yourself online and experience the awesome services that internet can offer when you do your background check.

Posted in: Employment \ Tagged: ,