This Privacy Policy governs the manner in which MWI Consultants collect, uses, maintains and discloses information collected from users (each, a "User") of the www.mwiconsultants.com (http://www.mwiconsultants.com) website.

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site.Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities

NON‐PERSONAL IDENTIFICATION INFORMATION

We may collect non­personal identification information about Users whenever they interact with our Site. Non­personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

WEB BROWSER COOKIES

Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record­keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.

HOW WE USE COLLECTED INFORMATION

MWI Consultants may collect and use Users personal information for the following purposes:

- To run and operate our Site

We may need your information display content on the Site correctly.

- To improve customer service

Information you provide helps us respond to your customer service requests and support needs more efficiently.

- To personalize user experience

We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.

- To improve our Site

We may use feedback you provide to improve our products and services.

- To send periodic emails

We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their INQUIRIES , questions, and/orother requests.

HOW WE PROTECT YOUR INFORMATION

We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.

SHARING YOUR PERSONAL INFORMATION

We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our BUSINESS partners, trusted affiliates and advertisers for the purposes outlined above.

CHANGES TO THIS PRIVACY POLICY

MWI Consultants has the discretion to update this privacy policy at any time. When we do, we will post a notification on the main page of our Site. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

CONTACTING US

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us (contact_us.php).

MWI Consultant – Pondering upon ways to build up your wealth involves one of the main concerns you will face today. We offer you a strong protection for your financial future by delivering counseling and planning services we deem best suited to help you attain your financial objectives.

FINDING A RISKPROFILE THAT SUITS YOU

Our major thrust in serving clients is to match their risk expectations as a vital factor in a financial strategy. Hence, we only deliver investments that suit a particular risk­profile you will be comfortable with and at the same time obtain the level of profitability that satisfies your long­term needs. Considering that your financial needs or and situation may change in time, as they always do to some degree, we aim to collaborate with clients and work with them hand­in­hand to manage their portfolios and suggest necessary changes when required. Moreover, we will submit up­to­date status reports and assessments that offer a clear and comprehensive perspective of your financial progress.

CREATING THE RIGHT STRATEGY FOR YOUR INVESTMENT

Our commitment is to create a financial plan for you utilizing a well designed investment strategy which requires allotting assets over a central portfolio with other related Investments. The procedure blends an investment approach supported by international economic research and extensive analysis into every particular type of securities available for you.

With the investment industry continually changing in time, we assure our clients of the best information and prospects by utilizing the most up­todate market technology available. Together with our track­record and know­how, we are in a better position than the rest of our competitors to map out a bright and obstacle­free road toward your financial success.

INVESTMENT WITH THE PERSONAL TOUCH

We do not consider any client just another portfolio account but a person with needs and dreams. Your personal choices and goals will serve as the foundation for a truly customized strategy we will work together to create and which will represent your entire character.

Likewise, we firmly believe that the more you have access to valuable information, the more confident you are to make sound financial decisions. As a result, we are in a better position likewise to devise and fine­tune a portfolio that is best suited to your objectives as well as being consistent with your values.

Investment Banking Services

We have a corresponding solution for any need you may have. Our Account Managers can either manage your portfolio for you or you may opt to manage it directly yourself; hence, you have various options on how you want to manage your investment portfolio.

ADVISORY SERVICES

In case you want to make your own investment decisions and trade actively but do not have the resources and time to do so, our Advisory Services will be your representative.

Our Advisory Services will obtain for you the best options in a dynamic financial market, while directing the investment process yourself. Our counselors will offer expert insight and suggestions, regularly assisting you with interactive advice that constantly takes into account your risk limitations.

MWI Consultants offers these benefits of our Advisory Services

1. Innovative investment concepts and expert recommendations
2. Direct access to our specialists and a dedicated dealer for personalized assistance
3. Superior execution capabilities
4. Active trading support
5. Access to a long list of brokers
6. A wide selection of securities
7. Competitive pricing

DISCRETIONARY SERVICES

Our Discretionary Portfolio Management service provides you a team of expert portfolio managers to whom you can confidently entrust your investment decisions. Having a mix of eight discretionary portfolios customized over a broad range of client risk­levels allows us to efficiently manage the portfolios to seize bright opportunities and minimize risks on your behalf.

Benefits of Discretionary Services

1. A team­approach for efficient performance
2. Robust risk management using diversified risk sources
3. Security selection based on research
4. Consistent risk monitoring
5. An excellent track­record. Our returns have consistently exceeded our portfolio benchmarks over a rolling five year period.
6. Investment limits applied across asset classes, country and industry exposure
7. Quality Research and Broad Product Selection

Both these services deliver to you great advantages of the full benefits of ourextensive research and well­informed advisory while accessing our variety of product options.

Safeguarding Your Financial Future

Pondering upon ways to build up your wealth involves one of the main concerns you will face today. We offer you a strong protection for your financial future by delivering counseling and planning services we deem best suited to help you attain your financial objectives.

FINDING A RISK PROFILE THAT SUITS YOU

Our major thrust in serving clients is to match their risk expectations as a vital factor in a financial strategy. Hence, we only deliver investments that suit a particular risk­profile you will be comfortable with and at the same time obtain the level of profitability that satisfies your long­term needs. Considering that your financial needs or and situation may change in time, as they always do to some degree, we aim to collaborate with clients and work with them hand­in­hand to manage their portfolios and suggest necessary changes when required. Moreover, we will submit up­to­date status reports and assessments that offer a clear and comprehensive perspective of your financial progress.

CREATING THE RIGHT STRATEGY FOR YOUR INVESTMENT

Our commitment is to create a financial plan for you utilizing a welldesigned investment strategy which requires allotting assets over a central portfolio with other related Investments. The procedure blends an investment approach supported by international economic research and extensive analysis into every particular type of securities available for you.

With the investment industry continually changing in time, we assure our clients of the best information and prospects by utilizing the most up­todate market technology available. Together with our track­record and know­how, we are in a better position than the rest of our competitors to map out a bright and obstacle­free road toward your financial success.

INVESTMENT WITH THE PERSONAL TOUCH

We do not consider any client just another portfolio account but a person with needs and dreams. Your personal choices and goals will serve as the foundation for a truly customized strategy we will work together to create and which will represent your entire character.

Likewise, we firmly believe that the more you have access to valuable information, the more confident you are to make sound financial decisions. As a result, we are in a better position likewise to devise and fine­tune a portfolio that is best suited to your objectives as well as being consistent with your values.

As she paged through Viking River Cruises’ glossy brochure one recent afternoon, Diane Moskal noticed a new way to save money: If she booked the Waterways of the Tsars itinerary sailing from Moscow to St. Petersburg with something called an e-check, the cruise line promised to knock $100 off the fare.

An e-check is an electronic debit to your checking account, and it’s billed as a quick, convenient way to pay for your vacation that is “as easy as providing your credit card number,” according to Viking.



But like any smart traveler, Moskal wasn’t content with that explanation. “I see that the cruise lines advocate consumer savings if you pay by e-check,” she says. But she also found several complaints online, which made her, hesitate. She wondered: Are e-checks safe?

As airlines, hotels and cruise lines offer new ways to pay for their products, Moskal’s question resonates across the entire travel industry. On several airlines, including American, Southwest and United, you can book a ticket through PayPal. Virgin Galactic made a splash late last year when it announced that it would accept Bitcoin for its spaceflights. One hostel in San Francisco, the Pacific Tradewinds, famously offers a 30 percent discount to guests who pay with the digital currency.

Newport International Group Corporate Travel

While Viking River’s e-check option isn’t new — it’s been available since 2008 — the concerns raised by Moskal and others are. It turns out that there are several important differences between paying by e-check and paying by credit card. And given the popularity of new electronic payment choices, it’s a good time to understand how they work.

Americans made 22.1 billion electronic payments using options such as e-checks in 2012, the most recent year for which numbers are available, according to a recent Federal Reserve study. The number of transactions grew at an annual rate of 5.1 percent from 2009 to 2012, the Fed reports. By comparison, consumers conducted 26.2 billion credit card transactions in 2012, and those numbers grew at a somewhat faster 7.6 percent annual rate.

The benefits to companies are obvious: They avoid paying any fees associated with credit cards and they receive the customer’s money right away, deposited directly into their merchant bank. But consumers have an advantage, too, at least according to companies like Viking.

“Guests who pay via e-check receive a discount of two percent, which reflects a savings that Viking passes on to the guest by not having to pay a fee to a credit card company,” says Viking spokesman Ian Jeffries. He says that the company also recommends payment via e-check as an alternative to a credit card so that you can avoid any interest rates or fees that some credit card companies may charge.

Viking is hardly alone. One recent study found that a quarter of airlines worldwide offer some form of alternative electronic payment option. As companies try to escape the high merchant fees charged by credit cards, these payment choices are bound to become more common in the near future.

“Conventionally, the discounted pay-by-e-check transactions are processed through the traveler’s bank, given the customer’s bank routing numbers and checking or savings account numbers,” says Oliver McGee, a former U.S. deputy assistant secretary of transportation for technology policy and a professor at Howard University.

E-checks come in two basic flavors: Check21 electronic payment processing, which is more flexible but also more expensive, and the more restricted ACH wire deposit payments, which are commonly used for handling direct deposits for employees and for paying bills.

As a practical matter, setting up an e-check involves giving the travel company basic bank information, typically gained through the bank’s routing numbers, as well as your account number, and authorizing the transaction.

But you also sacrifice something when you’re paying with an e-check. As with paper checks, once the money is deposited into the company’s account, your ability to reverse the charges is limited. Your right to dispute an e-check travel purchase is governed by the ACH or Check21 terms and conditions as well as the electronic fraud protection conditions of your financial institution.

By comparison, a credit card purchase is protected by federal law under the Fair Credit Billing Act, which, among other things, lets you dispute charges for products you didn’t accept or that weren’t delivered as agreed, and which can quickly fix a billing error.

“You have more leeway to dispute a purchase made with a credit card,” says David Bakke, who edits the personal finance Web site Money Crashers (www.moneycrashers.com).

If an e-check booking goes wrong — say, for example, that your cruise line files for bankruptcy protection and you want a refund — you may lose your money. Bakke says that e-checks can be reversed in only three cases: if you didn’t authorize the purchase, if the e-check was processed on a date earlier than authorized or if the amount of the processed transaction is different from what was authorized. Otherwise, the money is as good as gone.

While complaints about e-checks are rare, grievances with companies over wired money appear to be increasingly common. Not a week seems to go by that someone doesn’t ask me to help retrieve money that had been wired to a company or an individual. These transactions are difficult, if not impossible, to undo. Generally, if you’re dealing with a small local company or an individual, you can kiss the cash goodbye.

After I explained the differences in payment methods to Moskal, she consulted her travel agent, who booked her on the Viking riverboat cruise to Russia this fall. “She never raised the question of paying by anything other than credit card,” says Moskal.

Нужно оснастить их соответствующими изображениями

Prior to shoulder impingement surgery, other treatments may be used to reduce symptoms while alleviating pain. The costs of these non-surgical methods will slowly add up over a period of time, which will continue to raise the total of the overall medical expenses.

• Rest may seem like a free approach to a non-surgical treatment option. However, if the patient is required to spend time resting. Work and other routine activities may have to be delayed or eliminated which can result in loss of wages.

• Use of braces may help ease the pain while resting the arm and shoulder to promote healing. The brace is usually under $100. The cost is relatively low for the actually brace. However, limiting the range of motion can decrease activity which may result in having to take time off work.

• Physical therapy sessions may be required. Depending on the severity of the shoulder injury, physical therapy may last weeks. The sessions can help reduce the progression of symptoms through a variety of exercises. Prior to beginning physical therapy, the patient may be required to have an ultrasound to verify the damaged area. The ultrasound and physical therapy session can be costly.

• Over the counter and prescription drugs may be used to reduce inflammation and pain. In the beginning, the pain relievers may be a low cost option. Over time the costs will continue add up.

• Cortisone or other type of steroid injection may help in reducing the symptoms of the shoulder impingement. The injection can reduce the inflammation and irritation, which may feel like a quick fix.

The Fast-Moving Consumer Goods (FMCG) industry, which produces daily consumer products, has significant growth potential. SAP Business One is software that integrates with various mobile components, ensuring smooth operations and steady product flow. Its functions simplify daily setup and department monitoring, resulting in efficient output and smoother overall business operation.

The guide here explores SAP Business One's advanced forecasting techniques and their impact on demand planning focusing on the FMCG businesses. It discusses key features and tools, best practices, and how companies can use these capabilities to improve forecasting results.

SAP Business One in the FMCG Industry

SAP Business One ERP solution designed to help businesses in the Fast-Moving Consumer Goods (FMCG) market manage inventories, ensure timely deliveries, and adapt to changing consumer demands, enhancing efficiency, speed, and accuracy in the sector.

As a comprehensive system, SAP B1 integrates procurement, inventory management, and sales, providing real-time visibility and control. It also enhances supply chain management through robust tools like demand forecasting and supplier management, thereby optimizing supply chains and reducing lead times. 

Key Takeaways of SAP Business One for FMCG Retailers

SAP Business One software integrates business processes, enhancing operations, supply chain management, and CRM in the FMCG sector, providing a strategic advantage for businesses to optimize efficiency. Here is how SAP B1 stands as a reliable solution for FMCG retailers.

1. Financial Planning and Management:

SAP Business One works as a finance management software designed for small and medium-sized enterprises (SMEs). It streamlines invoice processing, simplifies accounting, and offers transparency in department cash flow. This helps businesses plan, understand market trends, and make strategic decisions like cost-cutting and new outlets. 

The software protects all concerns related to managing finances, ensuring business owners are better equipped to expand into different markets. Overall, SAP Business One simplifies finance management for businesses.

2. Managing the Supply Chain Management:

SAP Business One streamlines the supply chain for FMCG companies by enabling easy tracking and management of materials across multiple warehouses. Its bar code scanning feature aids in understanding product inflow and outflow, reducing costs and making product tracking more efficient. 

3. Customer Management:

For a b2c business model, the customer stands as a focal point. SAP Business One offers dedicated segments to address consumer concerns and allows for data storage based on purchases, quantity, time, and frequency. It also allows for the attachment of documents and personnel notes to customer profiles, providing a comprehensive view of each customer's journey with the brand. 

4. Delivery and Schedule-Related Operations:

SAP Business One simplifies order management by providing customizable options to set up the delivery life cycle of products based on business needs. This helps businesses even during peak seasons by easily tracking and pipelining orders for shipping and delivery according to predetermined time schedules. 

5. Production and Sales Targets:

SAP Business One helps businesses manage their products by forecasting trends and managing shelf life. It provides real-time information on customer needs, ensuring only good products are sold. The system also sends notifications when products need to be cleared if they aren't sold within a certain time limit. SAP Business One reduces wait times for generating reports and offers an in-built analytics system for clear sales reports. 

How Is Demand Forecasting Beneficial for FMCG Retailers?

SAP B1 demand forecasting stands as a powerful tool for FMCG retailers, offering demand forecasting capabilities that are crucial for optimizing inventory levels and minimizing waste. The tool uses historical sales data, seasonal trends, and external factors to generate reliable predictions of future demand. It allows for granular forecasting at the SKU level, considering product-specific factors like promotions, price changes, and market trends.

For FMCG retailers managing multiple stores or distribution centers, location-specific forecasting accounts for regional variations in demand, enabling more efficient supply chain management and inventory distribution. The system also forecasts revenue, helping retailers make informed decisions about pricing strategies and promotional activities.

Conclusion:

SAP Business One offers advanced forecasting techniques that can significantly improve demand planning processes, leading to improved accuracy and operational efficiency.

With SAP B1 in FMCG, retailers enhance business transformation with financial and supply chain management. Digital transformation of supply chains can provide visibility and efficiency in today's competitive business climate.

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