Wednesday, July 25, 2012

What Does Gmp Mean?

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Ferndale, Wa - So a great quiz, that was asked this week is what does Gmp mean?

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Simply put, Gmp means Good Manufacturing Practice. It refers to a internationally recognized principles of checking products in the natural health industry (and in the food / pharmaceutical industry) from the stage when they are formulated until the ingredients are bottled and then labeled, and distributed to the stores. In a nut shell, it's a quality operate check straight through every step of the manufacturing process ensuring that the delivered and final goods is in effect 100 percent of the top quality possible, safe for consumption, not contaminated, and it has been made in a consistent manner.

So where does that leave us? Not very far I would say. We should delve into this a tad more to in effect come to grips with the implications of Gmp and what it means for you as a buyer of natural medicines or other products such as pet vitamins or supplements or herbal pet remedies.

The first thing to note is that whether your products are made under Gmp practices or they are not. If they are man-made agreeing to this methodology of checking goods quality at every stage, you can rest assured that they are - yup!

First Class

Whoever bottled and made the goods from raw ingredients has done a superior job and in effect has their act together. Its worth it for you as a buyer to check the company background out on the web if you can or ask, or ask if this single firm operates using Gmp, then anyone they have created is naturally the best it can be. Its bottled correctly and safely, and once again the process of fabricate has been consistent from one month to the next and so on so as to ensure quality.

In the United States and in Canada, Gmp is enforced buy the Us Food and Drug supervision (Fda) and by health Canada and in both countries each branch makes sure that the manufacturing process is clearly defined and controlled and that all needful processes are validated to ensure consistency and compliancy with specifications.

So apart from what the government does on a daily basis, inside a company Gmp manifests itself in the form of daily checks on the assembly line, keeping very tight and accurate records of every batch of herbal remedy or healing goods that is created, and then quality operate testing samples in a hermetically sealed lab space by a well trained technician.

At the company that I previously ran as Chief company Officer, we had full-time staff who checked all things and we kept a lab space and fridges where we stored our batch samples, and then of procedure records and records; and we need to keep these records so we could shape out if something had to be recalled, we could track it down and then have it pulled from store shelves if it ever came to that. Of procedure it never did at any of the companies I operated.

Regarding the products for sale at our present company, before we got into the pet treatment business, what we did was do needful background checks on the manufacturers we narrate by following in reverse their manufacturing process, so we know first hand that all things we sell is made under the guidelines of Gmp. That lets us sleep properly at night, maintains our brand image and affords our customers the top level of quality insurance that the industry provides.

Bottom line, when you see the products, each one has been quality controlled by Gmp at the plant, and that means easy sleeping for you and especially your pet upon which you have settled so much trust and faith in what each goods is to deliver.

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Tuesday, July 24, 2012

Sales Letter Example That Sells

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A sales letter is the page designed to sell your product. You can have a fantastic product, but you won't earn a nickel if your sales letter lacks sizzle.

Your sales letter should grab a visitor's attention, prove you supply a solution, take off risk, state a call to action, and hopefully (if done well) create a sale.

Here is an example of how we write a sales letter...

All great sales letters consist of the following:
1. Catchy Headers and Subheaders
2. Unique Selling Proposition
3. Stated goods Benefits
4. Testimonials
5. Special Offers
6. Digital Covers
7. Video Demos
8. Exceptional Guarantees
9. Trust building Techniques
10. Bonuses
11. Follow-Ups
12. P.S.

Catchy Headers and Subheaders

Your main header, also referred to as a H1 tag, can:
o Target a pain point. "Are You Losing Your Hair?"
o Highlight a benefit. "Now You Can Re-grow Your Hair... Without Chemicals!"
o Invoke curiosity. "Can Broccoli prevent Hair Loss?"
o Include keywords.

Your subheaders will supervene the same format as your header. These two work best when they attack the reader from two different angles. Your headline could invoke curiosity, while the sub-headline makes a bold claim like this "Now You Can Re-grow Your Hair... Without Chemicals!"

Example Headlines for a Sales Letter
o Who Else Wants _______?
o The hidden of _________
o Here's How You Can (benefit) Without (problem)...
o Little Known Ways to _____________
o Get Rid of ________________ Once And For All!
o Warning: This Letter Is For Serious __________ Only.
o Are You Still Suffering From _________?
o Are You development These Same Mistakes?
o At Last! The (credibility indicator like "Bestselling" or "As seen on Oprah") principles That Is Revolutionizing ___________
o Save Yourself 30% on _________ By Following This simple Steps
o How I Went From (loser) to (winner) in Just 2 Weeks!
o How To (Cook Thai Food) Like The (Locals)
o 56 Ways ____________Saves You Time, Work and Money

Highlight Your Unique Selling Proposition

This is where you subtly demonstrate to your reader that your competition sucks. To do this, seek your competitor's sales letters, noting the benefits they offer- and more importantly, those they lack. Even if the two of you are selling the same product, you can position your offer in very different ways. Are they contribution a money back guarantee? Do they fail to cover a exact topic that your justify in detail? seek your competitor's weaknesses and demonstrate them to your prospects... Chances are, your prospects will shop nearby before committing, and it pays to plant the seeds of doubt in their minds about your competitors. Remember that subtlety is the key; you don't want to smear yourself as well!

Focus on Benefits, Not Features

Don't rattle off the features of your product; justify to your hope how they will advantage from it. For example, if you're selling air conditioners, population aren't interested in the features (e.g. Voltage, wattage, what type of plastic it's made of, etc.) they want to keep cool while summer!

To ensure you're listing benefits instead of features, ask yourself "How does this highlight help my prospect?" List your features, then add the word "which" after it: whatever follows is a benefit. For example:
o Low power requirements, which lowers your energy bill.
o New polymer plastic casing, which cools your house faster than traditional models.
o Timer setting, which saves you the hassle of getting up in the middle of the night to turn it off.

I've heard this phrase so many times I roughly tell it in my sleep, and yet, so many population forget this simple law of copywriting. Bullet points tend to work best in sales letters, as they are positively scanned by readers. Keep in mind that your prospects aren't interested in every particular advantage your goods offers, just the ones that apply to them. By listing off dozens of benefits, you are increasing the likelihood your prospects will come over one or two main benefits they are most interested in, and buy your product.

Include Testimonials

My wife and I were on Ko Phi Phi Island in Thailand (where the movie "The Beach" was filmed) getting ready to grab a bite. While looking at a map, a incorporate of guys came up to us and recommended a cafeteria saying, "This is the best cafeteria we've been to on the island. You should check it out."

Guess where we went for dinner?

We didn't personally know these guys, yet we trusted them. This demonstrates what is known as public proof - population development decisions based on person else's experience. If you're interested in something and you see that it has worked for others, you are more likely to trust them and-case in point- buy it. Testimonials are a great way to demonstrate public proof to your prospects; they can see for themselves that your goods works and provides value to real population without you forcing it down there throats. Rather than singing your own praises, why not let your satisfied customers do it for you?

Here's two ways to procure testimonials:

1. When you're first testing your goods (that is, the goods you haven't created yet) ask population you know personally if they can supply testimonials citing your expertise in a exact area applicable to your product.
2. Once you create and sell your product, supervene up with the buyer via email and ask for a testimonial. Here's what I use:

Dear ,
Thanks for taking our free policy on . Many others have written to tell us how this policy has helped , and I sincerely hope you feel the same way.
I'd like to ask a favor. We're always trying to enhance our course, and would greatly appreciate your feedback. If it's Ok with you, please take a occasion and jot down your thoughts in the box below. I promise not to consist of any personal information other than your name and city.
Feel free to say whatever you feel. If you have some ideas on how to enhance our course, we're all ears.
Thanks , and I hope to hear from you soon.
Best regards,

Testimonial Box
I understand that has the right to use these comments in their marketing material. I also understand will Not use any personal information with the irregularity of my name and city.

Comments:

Make sure to consist of a personal email address you check often in order to stay on top of testimonials as they come in.

Some population recommend contribution an incentive in transfer for a testimonial such as a free report, though I've never had any trouble securing them with this form. Besides, if your free policy isn't good adequate to certify praise, you probably need to think your goods offer.

As the testimonials start to roll in, put them on your sales page as examples your goods works!

People Don't Buy Products... They Buy Offers

You may have the particular most goods in the history of humanity, guaranteed to cure a wide collection of ailments, train your dog to stop barking and launch world peace, but without compiling it into a dynamite offer your goods will fall flatter than a soufflé in a snowstorm.

Think of it this way: when you go to a fine dining restaurant, you're not just paying for the flavor of the food; you're also paying for the presentation. Your offer is the presentation; if your prospects don't like the presentation they won't even try your product. This is why creating a solid offer is imperative for your system's success.

So what makes a good offer? Here are the key components you of a dynamite offer:

Have quality Digital Cover

If you're creating an information goods that includes some downloadable Cds, create a expert looking digital Cd cover for each disc. If you have an e-book or special report, create covers for those as well. Be sure to consist of screenshots of the article as well, which should be expertly formatted.

Include Video Demos

Videos are a great tool for marketing your goods and should be used where possible- I've used video demos for some products with great success. The process is simple: use Camtasia to article you demonstrating your goods while explaining its benefits, then upload the video to YouTube and embed the code they give you onto your website. We'll talk about video marketing more in a bit.

Offer an Exceptional Guarantee

The main function of a certify is to take off all risk for your prospect. You want to make a certify so strong they'd feel like a fool for not buying your product. For example, you could offer a 60 day money back guarantee, and allow them to keep all the bonuses even if they rule to cancel. an additional one formula is to allow your hope to download your goods for one dollar, and then charge their prestige card the remainder seven days later if they don't cancel.

Build Trust

When I receive emails from population asking me "Is this for real?" I know it's time to build a higher level of trust with our prospects. Be sure to consist of links to your privacy policy, caress information and a brief bio about yourself.

Privacy Policy

Your privacy policy should go something like this:

: Privacy Policy

is committed to protecting the privacy and security of individuals that have contacted us. It is with that purpose in mind that we have formed our privacy guarantee. We realize that the concerns you bring to us are extremely personal in nature. We assure you that all information shared will be managed within legal and ethical considerations.

Security of Information

We restrict entrance to personal information to employees who have a exact company purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy.

Accuracy of Information

We strive to ensure that our records consist of spoton information. If there are any changes to your caress information (e.g. Phone number, email, etc.), please email . We will promptly make any necessary changes to modernize your records.

Changes to Our Guarantee

We keep the right to revise our privacy certify as our company needs convert or as the law requires. If we revise our policy, we will supply you with the new policy at that time.

Web Links to Other Web Sites

Links to third party sites may be ready from 'http://www.yourwebsite.com'. Sites face the 'http://www.yourwebsite.com' domain are Not maintained by and is Not responsible for the article or availability of connected sites. Recommended links are Not an endorsement or certify of other sites or organizations and are plainly provided for reference. The privacy and security policies of connected sites likely differ from and users are encouraged to tell the privacy and security policies of these sites.

Contact Information

Buy a P.O. Box at your local post office and use that as your mailing address. Forty bucks a year provides peace of mind; you don't want your home address advertised to hundreds of thousands of people, right?

It's always best to consist of a phone whole as well. You can leave your personal number, or get a redirect line straight through Skype or Vonage. If you receive lot of calls, think signing up with a call center that will take messages and accept payments (there's a list of them at the end of this book).

Bio

Including a bio is a great chance for you to sell yourself and build trust amongst readers, many of whom want to know a minute about a person before doing company with them. Bios typically consist of the following elements:

o Educational Background
o Professional Background
o Experience with Current Business/Product
o Special Achievements
o Personal information (e.g. City of abode and family information)
o Picture

All of these are completely elective and depend on your ease level with sharing information online. Internet. There is a fine line in the middle of highlighting your knowledge, skills, and achievements and advent off as a blowhard. Remember: the point is to build trust, hopefully to the point of getting a sale.

Offer Bonuses

Once you've demonstrated your goods provides value and removed risk with a strong guarantee, push your prospects off the fence with a few value packed bonuses. The bonus is all about perceived value; many population in fact buy products for the bonuses themselves! If you're contribution an e-book on Cajun cooking, offer a video that demonstrates how to make roux, and some other Cajun sauces. How about recipes for cocktails that are renowned in the South? A list of the best restaurants in New Orleans? All of these are easy to create and dramatically enhance the value of your product.

Follow-Up

Let's say your prospects sign up for a free two week policy on southern cooking. They are then presented with an offer to buy the full product. If they haven't purchased it, they receive an additional one e-mail, but with a twist: this could be a reduced price, an added bonus, or the chance to pay in installments.

State a P.S.

Believe it or not, many population will scroll to the lowest of a sales page first. I do it all the time... Once I know I'm on a sales page, the first ask that comes to mind is "How much?"

This is positively why you shouldn't list your price at the lowest of your sales letter. Instead, use a P.S., or just an additional one headline that reinforces your value proposition. Rather than asking "How much?" they'll scroll up to learn more about your offer.

This sales letter example should help you craft a profitable sales letter in as minute as a week. Write a draft and sit on it for a few days so you can see it with fresh eyes.

I hope you receive new knowledge about Free Bill Of Sale Form. Where you can put to utilization in your daily life. And most of all, your reaction is Free Bill Of Sale Form.Read more.. go to the website Sales Letter Example That Sells. View Related articles associated with Free Bill Of Sale Form. I Roll below. I have recommended my friends to help share the Facebook Twitter Like Tweet. Can you share Sales Letter Example That Sells.

Monday, July 23, 2012

Walgreens, Cvs, and Rite Aid - What Re Investors Should Know

#1. Walgreens, Cvs, and Rite Aid - What Re Investors Should Know
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Walgreens, Cvs, and Rite Aid - What Re Investors Should Know

There are 3 major drugstore chains in the Us: Walgreens, Cvs, and Rite Aid. Below are some key statistics about the 3 major drugstore chains as of 2012:

Walgreens, Cvs, and Rite Aid - What Re Investors Should Know

1. Walgreens ranks first with market cap of .51 Billion, .2 Billion in 2011 total wage (.1B from prescription revenues), and an S&P rating of A. Agreeing to Walgreens, 75% of the Us citizen lives within 3 miles from its stores. In April 2010, it acquired 258 Duane Reade drug market in New York Metropolitan area which brings a total of 7841 drug market Walgreens operates as of February 2012, including 137 hospital on-site pharmacies.

2. Cvs ranks second with market cap of .56 Billion, 7.1 Billion in wage (.5 Billion from Cvs prescription revenues and .1B from its Caremark prescription mail order revenue), and an S&P rating of Bbb+. As of December 31, 2011, Cvs operates 7404 drug stores.

3. Rite Aid ranks third (fourth, behind Walmart in terms of prescription revenues) with market cap of .49 Billion, .1 Billion in wage (.1B from prescription revenues), operates 4714 drug market as of February 2011 and has an S&P rating of B-.

Investors buy properties busy by these drugstore chains for the following reasons:

1. The drugstore company is very recession-insensitive. citizen need treatment when they are sick, regardless of the state of the economy. Both rich and poor citizen in the Us have passage to medicine. Some even argue that low-income citizen use more treatment due to free or low-cost drugs offered by government-assisted programs. So the tenants should do well while tough time and have money to pay rent to landlords.

2. The drugstore company has a good expectation in the Us:

· citizen are living longer and need more treatment to retain longevity, e.g. Actonel for osteoporosis, Aricept for Alzheimer's symptoms. Older citizen tend to use more treatment than younger ones as they often have more curative problems. As the 78 million baby boomers are getting closer to retiring age beginning from 2008, the drugstore chains anticipate the request for treatment to increase in next 20 years.

· The drug market continues to expand as the Us citizen continues to grow. More and more Americans suffer from varied diseases. The estimate of Americans suffers from seasonal allergies doubled in the last 15 years to 37 million citizen per Fortune magazine. They spent .4 Billion in 2009 for allergy drugs. As their waist lines balloon (75% of Americans are forecasted to be whether overweight or obese by 2020), more Americans are diagnosed with diabetes, along with high cholesterol at younger and younger ages. In addition, doctors also recommend treating varied diseases sooner than later due to great understanding about the diseases. For example, doctors now prescription antiretroviral drugs for patients soon after infected with Hiv virus instead of waiting for the infection to come to be Aids. More doctors merge insulin with oral medicines to treat type-2 Diabetes instead of just oral medicines alone. All these factors increase the size of the drug market.

· expand in genetic engineering has introduced varied new genetic Dna testing kits which allow the genetic analysis of vulnerabilities to inherited diseases and disorders. Genetic testing is currently the highest increase segment in the diagnostics industry. Some of these genetic tests will probably transform into direct-to-consumer testing kits available in drug market in the near future.Upon Fda approval, these new products will potentially bring in additional wage for drug stores.

· Using a new recipe of tailoring molecules called structure-based design; drug associates come up with new medicines that they might not have discovered otherwise, e.g. Xalkori by Pfizer to treat lung cancer.

· The tube of health Care Reform Bill on March 23, 2010 provides guarnatee coverage to an estimated 33 million more American. This is a great present to the drugstore industry.

· There are new drugs to treat previously untreatable illnesses, and new diseases, e.g. Viagra for men's unhappiness, Avastin for colon cancer, Herceptin for breast cancer,. The new medicines are very expensive, e.g. A year's supply of Avastin costs about ,000. Eli Lilly has sold about .8 billion of Zyprexa in 2007 for schizophrenia and yet most citizen have never heard of this medicine.

· There are existing drugs now beloved to treat new illnesses and thus increase their sales revenue. For example, Lyrica was originally intended to treat pain caused by nerve damagein citizen with diabetes. It is now beloved by Fda to treat Fibromyalgia which affects 5.8 million Americans per WebMd.

· Big advances in genetics, biology and stem cells research are improbable to produce a new class of drugs to treat diabetes, Parkinson's and varied rare genetic disorders. For example the new drug Ilaris from Novartis targets genetic causes of an inherited disorder that there are only 7000 known cases worldwide. However, Novartis hopes to gradually broaden its drugs to a blockbuster drug to more common disorders caused by similar genetics.

· Technology and contemporary life introduce and require new products, e.g. Pregnancy test kits, Lamisil for stronger clearer toe nails, Latisse for longer & thicker eyelashes, Propecia for male hair loss, Premarin for menopausal symptoms, diabetic monitors, electronic toothbrushes, palpate lenses, lenses cleaners, diet pills, vitamins, birth-control pills, Iuds, nutrition supplements and Cholesterol-lowering pills (Americans spent nearly B in 2006 on Cholesterol medications alone per Ims Health, a Connecticut-based consulting company that monitors pharmaceutical sales.)

· Before the customers can get to the treatment aisles or pharmacy counters, they have to pass by chocolates, sodas, digital cameras, watches, toys, dolls, beers and wines, cosmetics, video games, flowers, fragrances, and greeting cards. Drug market hope you use the one-hour photos services there. The market also carry seasonal items, e.g. Halloween costumes, and "As Seen on Tv" merchandise, e.g. Shamwow. As a result, customers buy more than their prescriptions and treatment in these drugstores. Cvs reported that non-pharmacy sales represented 30% of the company's total sales in January of 2007. The outline for Walgreens is 34% and 37% for Rite Aid. Many pharmacy locations are in corollary convenience market especially ones that are in residential or rural areas. And so Walgreens hopes that customers also pick up Wd-40, and screwdrivers at its market instead of at Home Depot; Thai Jasmine rice, and fish sauce to avoid a trip to Safeway or Kroger Supermarkets. while the recession, sales of these non-drug items are down as customers buy what they need and not what they want. Walgreens tries to sacrifice the estimate of items by 4000. It also introduces its own hidden label which has higher behalf margins.

· There are more and more generic medications on the market as a estimate of enormously beloved brand-name blockbusters lose their 20-year long patents, e.g. Lipitor (best selling drug in the world to lower cholesterol) in 2010, Viagra (you know what it's for) in 2012. Drugstores prefer to sell generic drugs to customers due to higher behalf margins than the brand-name medications.

· Many citizen are addicted to pain killers, e.g. Hydrocodone/Oxycodone. Per the Dea in 2012, there are 1.5 million American addicted to cocaine but 7 million addicted to prescription drugs.

· This author estimates that at least 10% of the dispensed prescription drugs are not used at all and sit idle in the treatment cabinets. They are eventually expired and thrown away.

3. These associates sign very long-term Nnn leases, guaranteed by their corporate assets. This makes the speculation in the fundamental property fairly low risk, especially for Walgreens with a S&P "A" rating. In fact, these properties are sometimes referred to as investment-grade properties. Once the drugstore chains sign the lease, they pay the rent instantly and timely. This author is not aware of any properties leased by one of these drugstore chains in which the tenants failed to pay rents. Even when the market are concluded due to weak sales (Walgreens concluded 119 market in 2007), these associates may sublease the properties to other companies, e.g. expand Auto Parts and continue to pay rents on the devotee leases.

· A typical Walgreens lease consists of 20-25 year traditional term plus 8-10 five-year options. while traditional term and options, there will be no rent increases in most of the leases. This is the main disadvantage of investing in Walgreens drugstores.

· A typical Cvs lease consists of 20-25 year traditional term plus 4-5 five-year options. The rent is commonly flat while the traditional term and then there is a 2.5%-10% rent increase in each 5-year option.

· A typical Rite Aid lease consists of 20-25 year traditional term plus 4-8 five-year options. The lease often has a rent increase every 5-10 years.

Investment Risks

Although the pharmacy company in normal is recession-insensitive, there are risks involved in your investment:

1) The main downside about investing in pharmacies is there is little or no rent bump for a long time, e.g. 20-50 years, especially for Walgreens. So the rent is effectively reduced after inflation is factored in. This is one of the main reasons these properties do not appeal to younger investors, especially when the cap rate is low.

2) The 3 drugstore chains now have a new formidable competitor, Walmart. Walmart sells prescription drugs in more than 4000 Walmart, Sam's Club and Neighborhood market market in 49 states. As of 2012, Walmart is the third largest drug retailer with .4B in prescription sales, just ahead of Rite Aid with .1B in prescription sales. The retail giant is known for launching in 2006 a highly-publicized generic prescription drug program which now sells 350 generic medications for a 30-day supply. The actual estimate of medications is less as the medications with distinct strengths are counted as distinct medications. For example, Metformin 500 mg, 850 mg, and 1000 mg are counted as 3 medications. Walmart probably makes very little profits on these medications if any. However, the marketing campaign--created by Bill Simon, the President and Ceo of Walmart Us, generates a lot of publicity for Walmart. Walmart hopes to draw customers to its market with other prescriptions where it has higher behalf margins. In an unscientific peruse with just one brand-name prescription of Lyrica, this author finds the lowest price at Costco, the highest price at Walgreens and Walmart at the middle. Other drug chains try to counter Walmart in distinct ways. Target now offers the same 350 generic medications for for a 30-day supply. Walgreens has a prescription drugs club with membership fee which offers 1400 generic medications for as little as /week. Cvs says it will match any offers from its competitors.

3) Chief company Correspondent Rick Newman from Us World & News description improbable that Rite Aid might not survive in 2009. Rite Aid is still nearby in 2012. The prediction seems to go away in 2012 as Rite Aid as it was able to refinance the long terms debts and sales wage has increased.

4) Drugs are also sold in thousands of supermarkets, Target stores, and Costco warehouses. However, there are no drive-through windows at these market or Walmart to favorably drop off the prescriptions and pick up medicines. Customers will not be able to pick up their prescriptions while lunch hour or after 7Pm at Target market or supermarkets. They need to have membership to buy medicines at Costco. Others may not fill their prescriptions at Walmart because they don't want to mingle with typical Walmart customers who are in lower wage brackets. And some baby boomers don't want their prescriptions filled at Target or Walmart because there are no comfortable chairs for them to sit down and wait for their medicines.

5) Drugs retail company to some degree is controlled by the Pharmacy Benefits Managers (Pbms). Customers commonly get prescription coverage from their health guarnatee companies, e.g. Blue Cross. These Pbm conduct prescription benefits on behalf of the guarnatee companies. In 2012 Walgreens lost a ageement valued at over Billion with Express Scripts, a major Pbm. Walgreen wage was immediately fallen in the first quarter of 2012 as Express Scripts customers cannot fill their prescriptions at Walgreens. The Pbms are also in the drugs retail company via mail orders which do not require leasing expensive retail spaces. The prescription mail orders currently capture over 20% market share of the total prescription revenue. Should customers change their prescription buy habits to mail orders (there is no such evidence in 2012), it could have negative impact to the company of drugstore chains.

6) Many leases in areas with hurricanes and tornadoes are Nnn leases with the exception of roof and structure. So if the roof is damaged, you will have to pay for the expenses.

7) The tenant may move to a new location down the road or across the street when the lease expires. This risk is high when the property is placed in small town where there is low wall for entry, i.e. Lots of vacant & developable land.

8) The tenant may ask for rent concession to improve its lowest line while tough times. The possibility is higher if the tenant is Rite Aid and if the store has low sales wage and/or higher than market rent.

9) More Americans are walking away from their prescriptions, especially the most expensive brand-name medicines. This may have negative impact on the sales wage and profits of drug market and consequently may cause drug store closures. Agreeing to Wolters Kluwer Pharma Solution, a health-care data company, nearly 1 in 10 new prescriptions for brand-name drugs were abandoned by citizen with industrial health plans in 2010. This is up 88% compared to 4 years ago just before the stepping back began. This trend is driven in part by higher and higher co-pays for brand name drugs as employers are shifting more guarnatee costs to their employees.

Among 3 drugstore chains, Walgreens and Cvs pharmacies in normal have the best locations-at major intersections while Rite Aid has less than excellent locations. Walgreens tends to hire only the top graduates from pharmacy schools while Rite Aid settles with lowest graduates to save costs. When possible, all drugstore chains try to fill the prescriptions with generic medications which have higher behalf margins.

1) Walgreens: the company was founded in 1901 by Charles Walgreen, Sr. In Chicago. While the company has existed for more than 100 years, most market are only 5-10 years old. This is the best managed company among the three drugstore chains and also among the most admired group associates in the Us. The company has been run by executives with proven track records and hires the top graduates from universities. Due to its excellent financial strength--S&P A rating-- and excellent irreplaceable locations, properties with leases from Walgreens get the highest price per quadrilateral foot and/or the lowest cap rate among the 3 drugstore chains. In addition, Walgreens gets flat rent or very low rent increases for 20 to 60 years. The cap rate is often in the low 5% to 6.5% range in 2012. Investors who buy Walgreens tend to be more mature, i.e. Closer to resignation age. They are finding for a safe speculation where it's more prominent to get the rent check than to get appreciation. They often compare the returns on their Walgreens speculation with the lower returns from Us treasury bonds or Certificate of Deposits from banks. Walgreens opened many new market in 2008 and 2009 and thus you see many new Walgreens market for sale. It will slow down this expansion in 2010 and beyond and focus on renovation of existing market instead.

2) Cvs Pharmacy: Cvs Corporation was founded in 1963 in Lowell, Ma by Stanley Goldstein, Sidney Goldstein, and Ralph Hoagland. The name Cvs stands for "Consumer Value Stores". As of 2009, Cvs has about 6300 market in the Us, mostly straight through acquisitions. In 2004, Cvs bought 1,200 Eckerd Drugstores mostly in Texas and Florida. In 2006, Cvs bought 700 Savon and Osco drugstores mostly in Southern California. And in 2008 Cvs acquired 521 Longs Drugs market in California, Hawaii, Nevada and Arizona for .9B dollars. The acquisition of Long Drugs appears to be a good one as it Cvs did not have any market in Northern Ca and Arizona. Besides, the price also included real estate. It is also bought Caremark, one of the largest Pbms and changed the corporation name to Cvs Caremark. When Cvs bought 1,200 Eckerd stores, it formed a single-entity Llc (Limited Liability Company) to own each Eckerd store. Each Llc signs the lease with the property owner. In the event of a default, the owner can only legally go after the assets of the Llc and not from any other Cvs-owned assets. Although the owner loses the guaranty protection from Cvs corporate assets, this author is not aware of any incident where Cvs closes a store and does not pay rent.

3) Rite-Aid: Rite Aid was founded by Alex Grass (he just passed away on Aug 27, 2009 at the age of 82) and opened its first store in 1962 as "Thrif D discount Center" in Scranton, Pennsylvania. It officially incorporated as Rite Aid Corporation and went group in 1968. By the time Alex Grassstepped down as the company's chairman and chief menagerial officer in 1995, Rite Aid was the nation's largest drugstore chain in terms of total market and No. 2 in terms of revenue. His son, Martin Grass, took over but was ousted in 1999 for overstatement of Rite Aid's wage in the late 1990s. Rite Aid is now the weakest financially among the 3 drugstore chains. In 2007, Rite-Aid acquired about 1,850 Brooks and Eckerd drugstores, mostly along the East coast to catch up with Walgreens and Cvs. In the process, it added a huge long term debt and is the most leveraged drugstore chain based on its market value. The integration of Brooks and Eckerd did not seem to go well. wage from some of these market went down as much as 20% after they change the sign to Rite Aid. In 2009, Rite-Aid had over 4900 market and over Billion in revenues. The figures went down in 2010 to 4780 market and .53 billion in revenue. On January 21, 2009 Moody's Investor Services downgraded Rite Aid from "Caa1" to "Caa2", eight notches below speculation grade. Both ratings are "junk" which indicate very high credit risk. Rite Aid contacted a estimate of its landlords in 2009 trying to get rent concession to improve the lowest line. In June 2009, Rite Aid successfully completed refinancing .9 Billion of its debts. In 2012, Rite Aid benefits from Walgreens ageement question with Express Scripts. Same store sales increased 2.2%, 3.2%, and 3.6% for January, February and March of 2012, respectively. Rite Aid is still losing money in fiscal year 2012 which ended in March 3, 2012. However, it is losing less, .43 per share in 2012 versus .64 per share in fiscal year 2011. The company expects great outlook in fiscal year 2013.

Things to consider when invested in a pharmacy

If you are interested in investing in a property leased by drugstore chains, here are a few things to consider:

1. If you want a low risk investment, go with Walgreens. In stable or growing areas, the degree of protection is the same whether the property is in California where you get a 5.5% cap or Texas where you may get a 6.5% cap. So, there is no necessary benefit to spend in properties in California as the property value is based primarily on the cap rate. In 2012, the offered cap rate for Walgreens seems to come down from 7.5%-8.4% in 2009 to 5.5%-6.5% for new stores.

2. If you are willing to take more risk, then go with Rite-Aid. Some properties exterior of California may offer up to 9% cap rate in 2012. However, among the 3 drug chains, Rite Aid has 10.5% chance of going under in 2010. Should it utter bankruptcy, Rite Aid has the option to pick and pick which locations to keep open and which locations to halt the lease. To minimize the risk that the store is shuttered, pick a location with strong sales and low rent to wage ratio.

3. Financing should be an prominent consideration. While the cap rate is lower for Walgreens than Rite Aid, you will be able to get the best rates and terms for Walgreens.

4. If you are not a conservative investor or risk taker, you may want to consider a Cvs pharmacy. It has Bbb+ S&P credit rating. Its cap rate is higher than Walgreens but lower than Rite Aid. Some leases may offer great rent bumps. On the other hand, some Cvs leases, especially for properties in hurricane areas, e.g. Florida are not truly Nnn leases where landlords are responsible for the roof and structure. So make sure you adjust the cap rate down accordingly. Some of the Cvs locations have onsite Minuteclinic staffed by registered nurses. Since this clinic idea was introduced recently, it's not clear having a clinic inside Cvs is a plus or minus to the lowest line of the store.

5. All 3 drugstore chains have similar requirements. They all want extremely visible, standalone, rectangular property nearby 10,000 - 14,500 Sf on a 1.5 - 2 acre lot, preferably at a corner with about 75 - 80 parking spaces in a growing and high traffic location. They all require the property to have a drive-through. Hence, you should avoid purchasing an inline property, i.e. Not standalone and property with no drive-through windows. There is a chance that these drugstores may not want to renew the lease unless the property is placed in a densely-populated area with no vacant land nearby. In addition, if you secure a property that does not meet the new requirements, for example a drive-through, you may have a question getting financing as lenders are aware of these requirements.

6. If the pharmacy is opened 24 hours a day, it is in a great location. Drugstore chains do not open the store 24 hours day unless the location draws customers.

7. Many properties may have a division lease, i.e. The landlord can get additional rent when the store's each year wage exceeds a unavoidable figure, e.g. M. However, the wage used to compute division rent often excludes a page-long list of items, e.g. Wine and sodas, tobacco products, items sold after 10 Pm, drugs paid by governmental programs. The excluded sales wage could account for as much as 70% of store's gross revenue. As a result, this author has seen only 2 market in which the landlord is able to secure additional division rent. The store with a division rent is required to description its each year sales to the landlord. As an investors, you want to spend in a store with strong gross sales, e.g. Over 0 per quadrilateral foot a year. In addition, you also want to check the rent to wage ratio. If the outline is in the 2-4% range, the store is likely to be very profitable so the chance the store is shut down is low.

8. It does not matter how good the tenants are, avoid investing in declining, e.g. Detroit and/or low-income areas or small towns with less than 30,000 residents within 5 miles ring. In a small town, it may be the only drug store in town and captures most of the market share. However, if a competitor opens a new location in the area, wage may be severely affected. In addition, the tenant can always moves to a new location down the road when the lease expires since there is low wall to entry in a small town. These properties are easy to buy now and hard to sell later. When the credit market is tight, you may have problems finding a lender to finance these properties.

9. Many properties have an existing loan that the buyer must assume. If you have a 1031 exchange, think twice about buying this property. You should clearly understand loan assumption requirements of the lenders before absorbing forward. Should you fail to assume the existing loan (assuming an existing loan is a lot more difficult than getting a new loan), you may run out of time for a 1031 exchange and may be liable to pay capital gain.

10. With few exceptions, drugstore chains do not own the market they occupy for any reasons. Here are just a merge of them:

- They know the pharmacy company but don't know real estate. Stock investors also don't want Walgreens to come to be a real estate speculation company.

- Owning the real estate will require them to carry lots of long term debts which is not a brilliant idea for a publicly-traded company.

11. About 10% of the drugstore properties for sale and typically Cvs pharmacies require very small estimate of equity to acquire, e.g. 10% of the buy price. However, you are required to assume an existing fully-amortized loan with zero cash flow. That is, all of the rent paid by the tenant must be used to pay down the loan. The cap rate may be in the 7-9% range, and the interest rate on the loan could be absorbing in the 5.5% to 6% range. Hence, the investor pays off the loan in 10 to 20 years. However, you have no unavoidable cash flow. This requires you to come up with exterior cash to pay wage tax on the rental profits (the unlikeness between the rent and mortgage interest). The longer you own the property, the more exterior cash you will need to pay wage taxes as the mortgage interest will get less and less toward the end. So who would buy this kind of property?

- The investors who have substantial losses from other speculation properties. By acquiring this zero cash flow property, they may offset the wage from the drugstore tenant against the losses from other speculation properties. For example, a property has 5,000 of rental profits a year, and the investor also has losses of 0,000 from other properties. As a result, the combined chargeable profits are only ,000.

- The uninformed investors who fail to consider that they have to raise additional cash to pay wage taxes.

Out of the Box Thinking

If you put too much weight on the S&P rating of the tenants, you may end up whether taking a lot of risks or passing up good opportunities.

A Good location should be the key in your decision on which drug store to spend in. It's often said a lousy company should do well at a great location while the best tenant will fail at a lousy location. A Walgreens store that is concluded down later on (yes, Walgreens concluded 119 market in 2007) is still a bad speculation even though Walgreens continues paying rent on time. So you don't want to blindly spend in a drug store naturally because it has a Walgreens sign on the building.
No company is crazy sufficient to close a profitable location. It does not take rocket science to understand that a financially-weak company like Rite Aid will make every effort to keep a profitable location open. On the other hand, a financially-strong Walgreens will need justifications to keep an unprofitable location open. So how do you resolve if a drug store location is profitable or not if the tenant is not required to disclose its behalf & loss statement? The sass is you cannot. However, you can make an educated guess based on the store's each year gross wage which is often reported to the landlord as required by the division clause in the lease. With the gross revenue, you can resolve the rent to wage ratio. The lower the ratio, the more likely the store is profitable. For example, if the each year base rent is 0,000 while the store's gross wage is M then the rent to wage ratio is 5%. As a rule of thumb, it's hard to make a behalf if this ratio is more than 8%. So if you see a Rite Aid with 3% rent to wage ratio then you know it's likely a very profitable location. In the event Rite Aid declares bankruptcy, it will keep this location open and continue paying rent. If you see a Rite Aid drug store with 3% rent to wage ratio contribution 10% cap, chances are it's a low risk speculation with good returns and the tenant will most likely to renew the lease. The feebleness of corporate guaranty from Rite Aid is probably not as necessary and the risk of having Rite Aid as a tenant is not unquestionably that significant.
Drug market with new 25 years leases tend to sell at lower cap, e.g. 6-7% cap on new market versus 8.0-8.5% cap on established locations with 5-10 years remaining on the lease. This is because investors are afraid that the tenants may not renew the leases. Unfortunately, lenders also have the same fear! As a result, many lenders will not finance drug market with 2-3 years left on the leases. The fact that drugstores with new leases have a excellent on the price means they have possible of 20% depreciation (buying new at 6% cap and selling at 7.5% cap when the leases have 8 year left). Some investors will not consider investing in drug market with 5-10 years left on the lease. They might naturally ignore the fact that the established market may be at irreplaceable locations with very strong sales. Tenants naturally have no other choices other than renewing the lease.

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Building US Resilience to Global Warming Impacts

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Building US Resilience to Global Warming Impacts - Select Committee on Energy Independence and Global Warming - 2009-10-22 - The consequences of global warming in the United States will be significant even in the case of deep reductions in future heat-trapping emissions. The current and anticipated impacts -- including sea level rise, more frequent heat waves, regional drought and flooding, and more intense tropical storms -- pose a serious threat to our health, environment, economic well-being, and national security. While Congress works to curb carbon pollution to avoid the worst effects of global warming, America must look at adaptation measures that will protect communities from harm caused by global warming that is already set to occur. On Thursday October 22, 2009 at 9:30 am, the Select Committee on Energy Independence and Global Warming held a hearing on adaptation entitled, "Building US Resilience to Global Warming Impacts" in room 2175 Rayburn House Office Building. WITNESSES: John Stephenson, Natural Resources and Environment, Government Accountability Office; Eric Schwaab, Deputy Secretary of the Maryland Department of Natural Resources; Stephen Seidel, VP for Policy Analysis and Gen. Counsel, Pew Center on Global Climate Change; Kenneth Green, Resident Scholar, American Enterprise Institute. Video provided by the US House of Representatives.
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When Everything Changed: American Women from 1960 to Present, with Gail Collins

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from advice Bill Of Sale Form . www.mslaw.edu A Gracie Award winning episode of The Educational Forum! In thisepisode of the Massachusetts School of Law's Educational Forum Professor Diane Sullivan interviews New York Times columnist Gail Collins on her book; When Everything Changed - The Amazing Journey Of American Women From 1960 To The Present. Professor Diane Sullivan interviews New York Times columnist Gail Collins on her book; When Everything Changed - The Amazing Journey Of American Women From 1960 To The Present. Professor Sullivan and Gail Collins discuss how much the world has changed for both women and men since the 1960's from the era of the housewife to NOW, to equal rights and Title IV and to women's successes and failures in politics, law, athletics, the sciences and journalism. The Massachusetts School of Law also presents information on important current affairs to the general public in television and radio broadcasts, an intellectual journal, conferences, author appearances, blogs and books. For more information visit mslaw.edu.
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Book 2 - Chapter 07 - The House of Mirth by Edith Wharton

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Sunday, July 22, 2012

How to Get Out of a Real Estate covenant

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Visualize this scenario: After previewing several houses with your real estate agent, you've ultimately found the excellent house. A real estate contract has been drawn up and signed by you (the buyer) and the seller. But alas! You encountered a problem - your mortgage application was disapproved. Can you still get out of the real estate contract? Worry not. Generally, real estate contracts contain contingency provisions which state under what situations the buyer/seller can desist the contract.

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How is How to Get Out of a Real Estate covenant

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A real estate contract is a legally binding contract for the purchase/sale of real estate between two parties. It varies depending on the type of property being purchased or sold, its location and on whether the contract is a reprinted form furnished by a realtor or one prepared by a lawyer. While the form may be different, essential facts contain the names of the parties, legal report of the property, buy price, down payment, terms of cost if not cash and the end date. In addition, both parties may insert contingency clauses. A contingency is plainly a way in which a buyer/seller can back out of a contract within a set period of time if inescapable conditions specified are not addressed or met satisfactorily.

Most real estate contracts contain financing/mortgage contingency which stipulates that the buy is conditional on the buyer's ability to get a mortgage commitment within a prescribed timeframe. Inability to do so gives both parties the legal right to desist the contract. In this case, the buyer's deposit is also refunded.

An inspection contingency allows the buyer to show the way approved inspection of the property. If the jobber is unwilling or unable to mend defects or not agreeable to cut the request price to help compensate for the cost of the repairs; then both parties can opt to cancel the contract all within the time guidelines set forth in the contract.

A contract can also be contingent on the sale of other property. If the property is not disposed within a specified period of time, the buyer can be relieved of the contract.

A real estate contract ordinarily provides a title and observe delineate period for the buyer. The buyer gives notice in writing of any fault or flaw noted in the title documents. If the defects cannot be remedied, the buyer has the right to cancel the contract. In the same way, the buyer can also show the way a property survey. If there are structural problems or if there are encroachments on the property, the buyer may also pick to rescind the contract.

Some states need sellers to disclose in writing to buyers any known defects of the property. Any late disclosure gives the buyer the option to desist the contract within a prescribed period after receipt of the disclosure.

The above mentioned are some of the approved contingencies written into almost all real estate contracts. However, both parties can also add other flee clauses such as a contract contingent on septic tank inspection, home estimation or the approval of other family members if the property is part of an estate sale.

In a nutshell, buyers and sellers do not enter into real estate contracts with the intention of getting out of them. However, sometimes things do not trek, as expected. Both parties can then turn to the terms and conditions stipulated in the contract to desist the deal. A word of caution: If a contingency date lapses, whether party loses the advantage and protection of the contingency.

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2003 Classic Monarch 3 horse trailer bumper pull for sale

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Here is a 2003 Classic Monarch Trailer. It is a bumper pull trailer. It holds 3 horse although I have had more than that pluss a stow away mini horse or two. It has a roomy tack/dressing room. It has a water tank saddle rack, lots of hooks to hang bridles, blanket bars, a bar to hang your show shirts and coats and a cubby hanging thing on the inside door to store more stuff. The floor is rumber, a synthetic material that is more durable and stronger than wood. The turn signals, brake lights, and inside trailer lights all work properly but I believe there is one brake bulb out. They are easy to replace with standard bulbs from any auto part store. There is some damage to the small strips of padding on the inside of the trailer doors. It does not effect how the trailer works, it is cosmetic. There are some scratches on the outside of the trailer but nothing too noticeable. The tires are less than 1 year old and were all replaced at the same time. 3 are the same brand and one a different brand because they didn't have a matching set in stock at the time. There have probably been less than 200 miles on the tires since they have been on the trailer. I am the original owner who bought the trailer brand new off the lot. I can't find the title for the life of me so I will be giving a DMV form with the duplicate title form with the bill of sale. The tack room keys were lost by my wonderful sister who never replaces anything she breaks or loses. I was told it would be easy to have ...
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House Session 2011-12-13 (17:29:32-18:43:21)

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We had a good read. For the benefit of yourself. Be sure to read to the end. I want you to get good knowledge from these details Bill Of Sale Form . HR 3630 - Middle Class Tax Relief and Job Creation Act of 2011 (Closed Rule, 90 Minutes of Debate) Legislation Considered Under Suspension of the Rules: 1) HR 3421 - Fallen Heroes of 9/11 Act 2) HR 886 - United States Marshals Service 225th Anniversary Commemorative Coin Act 3) HR 313 - Drug Trafficking Safe Harbor Elimination Act of 2011 4) HR 1905 - Iran Threat Reduction Act of 2011 (Sponsored by Rep. Ileana Ros-Lehtinen / Foreign Affairs Committee) 5) HR 2105 - Iran, North Korea, and Syria Nonproliferation Reform and Modernization Act of 2011 6) H.Res. 306 - Urging the Republic of Turkey to Safeguard Its Christian Heritage and to Return Confiscated Church Properties 7) H.Res. 376 - Calling for the repatriation of POW/MIAs and abductees from the Korean War
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EEP100 - Lecture 18

1# EEP100 - Lecture 18.
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Trading and profit and Loss catalogue

#1. Trading and profit and Loss catalogue
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Trading and profit and Loss catalogue

Trading Account

Trading and profit and Loss catalogue

As already discussed, first section of trading and profit and loss inventory is called trading account. The aim of preparation trading inventory is to find out gross profit or gross loss while that of second section is to find out net profit or net loss.

Preparation of Trading Account

Trading inventory is prepared generally to know the profitability of the goods bought (or manufactured) sold by the businessman. The difference in the middle of selling price and cost of goods sold is the,5 earning of the businessman. Thus in order to calculate the gross earning, it is indispensable to know:

(a) cost of goods sold.

(b) sales.

Total sales can be ascertained from the sales ledger. The cost of goods sold is, however, calculated. N order to calculate the cost of sales it is indispensable to know its meaning. The 'cost of goods' includes the purchase price of the goods plus expenses relating to purchase of goods and brining the goods to the place of business. In order to calculate the cost of goods " we should deduct from the total cost of goods purchased the cost of goods in hand. We can study this phenomenon with the help of following formula:

Opening stock + cost of purchases - closing stock = cost of sales

As already discussed that the purpose of preparation trading inventory is to calculate the gross profit of the business. It can be described as excess of estimate of 'Sales' over 'Cost of Sales'. This definition can be explained in terms of following equation:

Gross profit = Sales-Cost of goods sold or (Sales + closing Stock) -(Stock in the beginning + Purchases + Direct Expenses)

The opening stock and purchases along with buying and bringing expenses (direct exp.) are recorded the debit side whereas sales and closing stock is recorded on the reputation side. If reputation side is Jeater than the debit side the difference is written on the debit side as gross profit which is finally recorded on the reputation side of profit and loss account. When the debit side exceeds the reputation side, the difference is gross loss which is recorded at reputation side and finally shown on the debit side of profit & loss account.

Usual Items in a Trading Account:

A) Debit Side

1. opening Stock. It is the stock which remained unsold at the end of old year. It must have been brought into books with the help of opening entry; so it always appears inside the trial balance. Generally, it is shown as first item at the debit side of trading account. Of course, in the first year of a enterprise there will be no opening stock.

2. Purchases. It is commonly second item on the debit side of trading account. 'Purchases' mean total purchases i.e. Cash plus reputation purchases. Any return outwards (purchases return) should be deducted out of purchases to find out the net purchases. Sometimes goods are received before the relevant invoice from the supplier. In such a situation, on the date of preparation final accounts an entry should be passed to debit the purchases inventory and to reputation the suppliers' inventory with the cost of goods.

3. Buying Expenses. All expenses relating to purchase of goods are also debited in the trading account. These include-wages, carriage inwards freight, duty, clearing charges, dock charges, excise duty, octroi and import duty etc.

4. Manufacturing Expenses. Such expenses are incurred by businessmen to design or to render the goods in saleable health viz., motive power, gas fuel, stores, royalties, facility expenses, foreman and supervisor's salary etc.

Though manufacturing expenses are strictly to be taken in the manufacturing inventory since we are preparation only trading account, expenses of this type may also be included in the trading account.

(B) reputation Side

1. Sales. Sales mean total sales i.e. Cash plus reputation sales. If there are any sales returns, these should be deducted from sales. So net sales are credited to trading account. If an asset of the firm has been sold, it should not be included in the sales.

2. closing Stock. It is the value of stock lying unsold in the godown or shop on the last date of accounting period. commonly closing stock is given covering the trial equilibrium in that case it is shown on the reputation side of trading account. But if it is given inside the trial balance, it is not to be shown on the reputation side of trading inventory but appears only in the equilibrium sheet as asset. closing stock should be valued at cost or store price whichever is less.

Valuation of closing Stock

The ascertain the value of closing stock it is indispensable to make a faultless inventory or list of all the items in the god own together with quantities. On the basis of physical observation the stock lists are prepared and the value of total stock is calculated on the basis of unit value. Thus, it is clear that stock-taking entails (i) inventorying, (ii) pricing. Each item is priced at cost, unless the store price is lower. Pricing an inventory at cost is easy if cost remains fixed. But prices remain fluctuating; so the valuation of stock is done on the basis of one of many valuation methods.

The preparation of trading inventory helps the trade to know the relationship in the middle of the costs be incurred and the revenues earned and the level of efficiency with which operations have been conducted. The ratio of gross profit to sales is very significant: it is arrived at :

Gross profit X 100 / Sales

With the help of G.P. Ratio he can ascertain as to how efficiently he is running the enterprise higher the ratio, good will be the efficiency.

Closing Entries pertaining to trading Account

For transferring discrete accounts relating to goods and buying expenses, following closing entries recorded:

(i) For opening Stock: Debit trading inventory and reputation stock account

(ii) For purchases: Debit trading inventory and reputation purchases account, the estimate being the et estimate after deducting purchases returns.

(iii) For purchases returns: Debit purchases return inventory and reputation purchases account.

(iv) For returns inwards: Debit sales inventory and reputation sales return account

(v) For direct expenses: Debit trading inventory and reputation direct expenses accounts individually.

(vi) For sales: Debit sales inventory and reputation trading account. We will find that all the accounts as mentioned above will be finished with the exception of trading account

(vii) For closing stock: Debit closing stock inventory and reputation trading inventory After recording above entries the trading inventory will be balanced and difference of two sides ascertained. If reputation side is more the corollary is gross profit for which following entry is recorded.

(viii) For gross profit: Debit trading inventory and reputation profit and loss inventory If the corollary is gross loss the above entry is reversed.

Profit and Loss Account

The profit and loss inventory is opened by recording the gross profit (on reputation side) or gross loss (debit side).

For earning net profit a businessman has to incur many more expenses in increasing to the direct expenses. Those expenses are deducted from profit (or added to gross loss), the resultant outline will be net profit or net loss.

The expenses which are recorded in profit and loss inventory are ailed 'indirect expenses'. These be classified as follows:

Selling and distribution expenses.

These consist of of following expenses:

(a) Salesmen's salary and commission

(b) Commission to agents

(c) Freight & carriage on sales

(d) Sales tax

(e) Bad debts

(f) Advertising

(g) Packing expenses

(h) Export duty

Administrative Expenses.

These include:

(a) Office salaries & wages

(b) Insurance

(c) Legal expenses

(d) Trade expenses

(e) Rates & taxes

(f) Audit fees

(g) Insurance

(h) Rent

(i) Printing and stationery

(j) Postage and telegrams

(k) Bank charges

Financial Expenses

These comprise:

(a) discount allowed

(b) Interest on Capital

(c) Interest on loan

(d) discount Charges on bill discounted

Maintenance, depreciations and Provisions etc.

These consist of following expenses

(a) Repairs

(b) Depreciation on assets

(c) Provision or keep for doubtful debts

(d) keep for discount on debtors.

Along with above indirect expenses the debit side of profit and loss inventory comprises of discrete enterprise losses also.

On the reputation side of profit and loss inventory the items recorded are:

(a) discount received

(b) Commission received

(c) Rent received

(d) Interest received

(e) revenue from investments

(f) profit on sale of assets

(g) Bad debts recovered

(h) Dividend received

(i) Apprenticeship selected etc.

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### Bill Of Sale Form - Webinar- Make it Easy to Give: Taking Online Donations - 2010-05-20.###
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The Hunger Games - Movie Review

1# The Hunger Games - Movie Review.
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The Hunger Games starring Jennifer Lawrence and Josh Hutcherson is reviewed byChristy Lemire (AP critic and host of Ebert Presents At the Movies, check your local PBS listings) Grae Drake (Movies.com), Alonso Duralde (TheWrap.com and Linoleum Knife podcast) and Matt Atchity (Editor-in-chief Rottentomatoes.com). See what other critics are saying: www.rottentomatoes.com Every year in the ruins of what was once North America, the evil Capitol of the nation of Panem forces each of its twelve districts to send a teenage boy and girl to compete in the Hunger Games. A twisted punishment for a past uprising and an ongoing government intimidation tactic, The Hunger Games are a nationally televised event in which "Tributes" must fight with one another until one survivor remains. Pitted against highly-trained Tributes who have prepared for these Games their entire lives, Katniss is forced to rely upon her sharp instincts as well as the mentorship of drunken former victor Haymitch Abernathy. If she's ever to return home to District 12, Katniss must make impossible choices in the arena that weigh survival against humanity and life against love. -- (C) Lionsgate
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