Preparation of fund flow statement

However, the technique of cash flow statement when used in conjunction with ratio analysis serves as barometer in measuring the profitability and financial position of the business.

 

Preparation of fund flow statement

The preparation of fund flow statement has the following steps-

A) Schedule of changes in working capital-

B) FUND flow Statement

A) Schedule of hanges in Working Capital-

It can be prepared by comparing the current assets and current liability of two periods.

Items	As On	As On	Change
CURRENT ASSETS Cash Balance Bank Balance Marketable securities Accounts receivables Accounts receivables Stock-in-trades Prepaid expenses CURRENT LIABILTY Bank overdraft Outstanding expenses Account payable	Increase	Decrease
Net increase/ decrease in Working Capital

Rules for preparing the schedule-

i) An increase in current assets results in increase in working cpital.

ii) Decrease in current assets result in decrease in working capital

iii) Increase in a current liability results in decrease of working capital.

iv) Decrease in a current liabilities results in increase in working capital.

B) FUND FLOW STATEMENT

Source of Funds: Issue of shares Issue of debenture Long term borrowing Sale of fixed assets Operating profits Total sources Application of Funds- Redemption of redeemable preference shares Redemption of debentures Payment of other long term loans Purchase of Fixed Assets Operating Loss Payment of Dividends, Tax etc Total uses
Net increase/ Decrease in working capital ( Total Sources – Total Uses)

Ancient therapies

Ayruveda:

Ayruveda is an important discipline of Indian medicine. It has a 5000-year-old history. It is fully recognized by the World Health Organization. Ayur is in Sanskrit means life, it is known as “science of life”. It is a mixture of physical, social, moral, mental welfare. Ayruveda proceeds with individualistic approach. Ayurvedic theory diagnonises patient constitution and learn how a disease might manifest itself depending on the body structure. It not only recommends medicine but also recommends each person’s lifestyle, dietary habits, exercise, drug therapy, condition of digestion, pachakarma and Yoga practices to restore balance in the body and mind. It derives and connects body and soul. Ayruveda connects science to ancient medicines.

Unani:

Unani system of medicine has its roots in Greek philosophy. Our body is composed of four basic elements: earth, air, water and fire. All four elements have different sub sections and heat. All four elements are merging and output is four different temperatures: hot wet, hot dry, cold wet and cold dry. The treatment here comprises of three components: preventive, promotive, curative. For the balanced health the six essentials written above are the need of the hour: Atmospheric air, drinks and food, sleep and weaknesses, excreation and retention, physical activity and rest, mental activity and rest. The diagnosis processed with the help of pulse examination of urine and stool.

Yoga:

It is a drugless therapy. It is popular all over the world. With the advancement of the modern technology our lives are now too fast paced: Computer, internet, cell phone, television. Heavy work, tight schedule, demanding work conditions is slowly making us more and more stressful. Yoga helps to retrieve mind and rejuvenate ours bodies. With Yoga we stay at the present, living with the present and in this way we releases stress. Yoga helps us to relax and learn various types of pranayama. Yoga helps you to become more aware of your body posture, alignment and breath. Yoga invigorates the internal organs, reduces fat and stimulates the nervous system. 21-year old girl posting mainly about fashion, but also about my life, sex, boyfriend, pet chinchillas and more.Hollow-Star.net

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New Pimp My Cube Contest has a total grand prize value of approximately $1200

This post brought to you by Contest Factory. All opinions are 100% mine.

The contest period is from 12/5/11 at 12:00PM to 1/31/12 at 12:00PM. Hurry up mates.

Since I am a blogger for the last four years and has been writing the blogs and going to office simultaneously. So, I have two cubicles one is here at my home nearer to my PC and the other is at my office. Due to continuous work pressure and time frame to finish the pending job I always have to do face stiff work schedule to make it order but sadly at the finish time all the arrangements got weird and giving the entire cubicle both here and at my office  becomes soiled ,filthy and dirty. Even my friends and colleagues complain about the same unclean environments they are working with due to heavy work load and constant job pressure. Sometimes I looked around to get the sense of the work place environment as the research scientist but feels that no where am finding any thing that can be considered as clean. Many a times it is in such a horrible condition that when sometimes the power goes out I feel something like the ghost environment in my hidden senses.

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Entering the contest:

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The contest Pimp My Cube Contest commences and it is nice to join now so that you can have greater chance of winning these grand prizes.

 

How to register for this grand prize:

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Please check this demo

One  in AVI, MOV, MPEG or WMV format with a minimum duration of thirty (30) seconds and maximum duration of sixty (60) seconds no larger than 100MB.Entry Name. A brief description of entry (optional). Contestants are allowed to submit an unlimited number of original Entries, but duplicate entries will be excluded. If the Contestant’s company profile page is incomplete, the Contestant will be required to complete all fields on his/her profile page, e.g. Company Website, Company Size, Daytime Phone and Job Title/Role.

 

Conclusion:

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Weird problems

Domestic help is important for every house hold those who can afford to pay for it. They clean the house, wash the clothes, and do the daily cleansing and previous pending works. Most of the house holds depends upon them for their daily work. In Puri in most of the houses domestic help used to do various home works like that of cleansing of utilities, For the last two years their wages now been on the rise and it is on the higher side in each year sometimes they increase the wages in the month of October and sometimes they increase the wages in the month of January in the new year. Now days the number of domestic helps in the decline due to some positive government policies. There lots of money to earn from various positive government policies and for this now the trend is changing. They are now getting more than two hundred days of earning opportunities apart from other earning from various government welfare measures. This adds to the problem for various house holds. Due to the scarcity of domestic helps , there salary is on the rise and they are also now more ad more demanding and also their work standards is on the decline. They are now working at more than sixteen houses and this is obvious as how could they manage the house holds by going to various far and wide places of Puri town and the standard of work I on the decline. Every homes priority is for cleaning and for all the essential works is done by the domestic help but with increase in time the duration of the work is on the decline and the standard of the work is one the decline.

Sometimes there behaviors are also rude and if you say some rude words or some mild rude words they will complain about everything. Now it seems that this being the most worrying factor. How to get rid of it? As the more you increase the wages of the domestic help they tend to reduce the work loads and try to finish the work in a hurry. The house holds works seems to be a difficult task and how it is to be solved and how easily it can be done and finished. What should be the problem no one can solve it? As the government can not solve it as it is doing the welfare works and that too it is also extending to richer people through Adhar cards and other welfare measures. Now the next problem I to find the persons who plucks the coconut from trees. Now the new generation of coconut pucker s has been evading from their earlier possessions. Now their new generations not doing these coconut plucking professions and for this there is strenuous lack of these coconut pluckers. Now their fathers has been doing this profession and for this serious lack of coconut pluckers and all the house holds having the coconut trees is feeling the brunt of it.

Ever wondered what the Sri lankan Blogosphere looks like? Well, this is what it looks like. See the full Face of slblogs, sri lankan blogs, SL Blogosphere

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This is what Puri is known for

Puri is the religious capital of Odisha and a renowned place of Bharat. There are times when a healthy category of population knows Odisha only through Puri. The population of Puri town is not big but the floating population Puri is always high. There are lots of tourist’s flows, here from every nuke and corner of Bharat and the world.

One American couple in the mid thirties, few days back boarded at Puri. They were walking by the side of road nearer to the sea at the northern side of Puri. Suddenly, there appeared two to three visitors from the ... (Read more at source)

This work is licensed under a Creative Commons Attribution Share Alike license.

Happy Republic day

Happy 63^rd republic day of India. The entire Indian Ocean around the globe is rejoicing to the tune of glorification of India’s Republic day. The tune and symphony of Republic day is a proud moment for all Indians living in India and around the globe. People first and the mission to protect India is always the motto of Air India. A few days ago Indian Air force women were officers landing air craft at Mt. Everest. This is the new beginning for modern Air Force of India. With the advancement of technology India is marching ahead. The Prime Minister of Thailand is the chief guest of India’s sixty third Republic Day. The long range and the high accuracy of Indian Air force is keeping us safe from envious enemies. Ours Jawans keep constant vigil on ours borders among various difficult situations. This has been done with the holistic approach to techniques and growth. Border Security Force’s tune “Vijay Bharat” has been exceptional. The naval contingent is the sign of brevity and might. Al these security forces are committed to garner the quality of life for all citizens of India. Drums, symbols, trumpets are sounding the glory of India. They ensure that ours independent always remains and we live in a safe and happy society. India has the largest unified society as a core. Assam Rifles' song “Desh ki hamen shan badhai ” has been exceptional. Twenty lakh square kilometers are protected by Indian coast guard. Let the history record us instead as a generation that made a great progress in the golden writings of the world. They are saving ours borders from Kashmir to Kanyakumari and from Rajasthan to Arunnachal Pradesh. They are singing the song Saren Jahan Se Achha Hindustan Hamara . They march in unity, they show the brevity , they attain the success ,they save the land as they stay awake in the scorching cold of minus forty degrees and they save ours borders from tiring summer of above forty five degrees. India is not merely as the world’s biggest democracy, it is the youngest nation state and becoming younger day by day. Normally, the two thirds of the population would be in the fifteen to fifty nine working age group over the next decade.

This blog chronicles the journey of the 2007 Britain's Got Talent winner, Paul Potts. The ultimate purpose of RoadTurn.com is to encourage readers and to make the case that the Paul Potts story is not only about him...all of us can realize our dreams and live the life we have imagined...RoadTurn.com

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The unnoticed

The unnoticed is a peculiar name to start with but it is true , it some what not comprehending tom find it out. Puri is a religious place worth for and renewed for through out the world. Shimmering and dynamic continuous tourists and also a better place to live in for and worth for. There are lots of beautiful places of Puri and lots of ugly places. The Lord Jagannath temple, the beauty full sea and also the Puri Hospital a beautiful government hospital worth to look at it. It is ISO certified and the cleanliness and the procedure has ... (Read more at source)

The new year at Puri

The fantastic new year in the prospect with beautiful climate ushering with coolness decreasing slightly and slow drizzle in between. The people all around India flocking into Puri to see the glimpse of ours Lord of the Universe. The Jagannath and his elder brother and little sister. The number of people seems unbelievable high. There is no inch of land left where the people have not occupied. The flooding of population can be a challenge for the administrator and the administrator has done their duty fully accomplished with flying colors. The entire Puri town is lighted and the streets lights ... (Read more at source)

This is what Puri is known for

Puri is the religious capital of Odisha and a renowned place of Bharat. There are times when a healthy category of population knows Odisha only through Puri. The population of Puri town is not big but the floating population Puri is always high. There are lots of tourist’s flows, here from every nuke and corner of Bharat and the world.

One American couple in the mid thirties, few days back boarded at Puri. They were walking by the side of road nearer to the sea at the northern side of Puri. Suddenly, there appeared two to three visitors from the ... (Read more at source)

This work is licensed under a Creative Commons Attribution Share Alike license.

An approach to Precis – writing

Précis-writing for the daily to summaries effectively. The summery ought to be precise, concise and authentic. Without sacrificing essential points, it should be expressed in few words. A précis should be one –third the length of the original password,

1. First read the original passage with concentration,

2. Try to minimize the informational explosion in the given passage,

3. The précis must be written in yours own words,

4. It must be coherent, continuous whole, preferably in single paragraph,

5. It must make complete sense,

6. It must be simple, cogent and grammatical,

7. Do not follow the order of the original sentence. Rearrange the entire sentence structure, try to be more logical,

8. As far as possible use indirect speech,

9. Revise twice, check for mistakes,

10. Write your fair copy only after you have satisfied yourself that you cannot improve if further,

11. Exercise yours privilege to censor the passage,

12. Leaves out all elaboration, repetitions and illustrations and persist to only bare essentials while writing précis,

13. Make a set of notes and a rough draft,

14. Find a suitable total for paragraph,

15. Read the passage a number of times,

16. Try to find the theme of the passage,

17. The heading of the passage may be a word phrase or a short sentence, signifying the main idea of the passage,

18. Précis writing demands extensive brain-work, invading attentive reading concentrated thoughts.

19. Write should be true to original but of a much reduced length,

20. Compressed the paragraph, without any distortion of the facts,

21. Understand the paragraph and rewrite briefly what has been read,

22. Employ both the skills of comprehension and composition,

23. Do not omit important points,

24. Check the word limit, compare with the original.

MissPinkBiik Island

Invitation to Triond from MOHAN MANOHAR MEKAP

Hi,

Triond is an online community of writers that I use to publish my writing, increase my readership, gain recognition and generate revenue. I wanted to let you know about Triond and invite you to join as well.

Signing up is a simple process and you can publish articles on nearly any subject. The best part is being paid for the revenue that your articles generate!

Simply follow this link and sign up.

Hope to see you on Triond!
MOHAN MANOHAR MEKAP

Weird problems

Domestic help is important for every house hold those who can afford to pay for it. They clean the house, wash the clothes, and do the daily cleansing and previous pending works. Most of the house holds depends upon them for their daily work. In Puri in most of the houses domestic help used to do various home works like that of cleansing of utilities, For the last two years their wages now been on the rise and it is on the higher side in each year sometimes they increase the wages in the month of October and sometimes they increase the wages in the month of January in the new year. Now days the number of domestic helps in the decline due to some positive government policies. There lots of money to earn from various positive government policies and for this now the trend is changing. They are now getting more than two hundred days of earning opportunities apart from other earning from various government welfare measures. This adds to the problem for various house holds. Due to the scarcity of domestic helps , there salary is on the rise and they are also now more ad more demanding and also their work standards is on the decline. They are now working at more than sixteen houses and this is obvious as how could they manage the house holds by going to various far and wide places of Puri town and the standard of work I on the decline. Every homes priority is for cleaning and for all the essential works is done by the domestic help but with increase in time the duration of the work is on the decline and the standard of the work is one the decline.

Sometimes there behaviors are also rude and if you say some rude words or some mild rude words they will complain about everything. Now it seems that this being the most worrying factor. How to get rid of it? As the more you increase the wages of the domestic help they tend to reduce the work loads and try to finish the work in a hurry. The house holds works seems to be a difficult task and how it is to be solved and how easily it can be done and finished. What should be the problem no one can solve it? As the government can not solve it as it is doing the welfare works and that too it is also extending to richer people through Adhar cards and other welfare measures. Now the next problem I to find the persons who plucks the coconut from trees. Now the new generation of coconut pucker s has been evading from their earlier possessions. Now their new generations not doing these coconut plucking professions and for this there is strenuous lack of these coconut pluckers. Now their fathers has been doing this profession and for this serious lack of coconut pluckers and all the house holds having the coconut trees is feeling the brunt of it. (by mummy)

Making all women look and feel glamorous , beautiful and sexy! GlitterBuzzStyle Feeding fashion, entertainment,Fashion, entertainment, celebrity stories, beauty, trends and nightlife.

Proliferation of English language

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The development of English as a single global life-style is the most significant factor. English is the trans-culture bridge and an agent of homogenization. English is getting prominent in world language, so the English speaking countries will dominate English in the universal language. English has the semi official language in some sixty countries. English is widespread globally; its usage is growing at an alarming rate. English is world’s most taught language. English is not replacing other languages, it is supplementing them. Language study is compulsory at Russia, most prefer English. In Norway, Sweden, Denmark; English is compulsory. Within Europe, Holland has the highest concentration of English proficiency outside Britain. Recently at Portugal, the demand for English classes has replaced the demand for French. There are 1,500 English language schools in Tokyo and over one hundred opens in each year. The travel and communications languages of international airwaves are English. Pilot and ATC speak English at all international airports. Maritime traffic uses flag and light signals, when they communicate verbally, they would find a common language which would preferably be English. English is also the language of satellite communications. Five of the largest broadcasters are CBS (Canadian Broadcasting Corporations), NBC, ABC and the BBC broadcasting in English.

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Blog everything under the sun...

The Rock

Utility of Cash Flow Analysis

A cash flow statement is useful for short term planning. A business enterprise needs sufficient cash to meet its various obligation in the near future such as payment for purchase of fixed assets, payment of debts maturing in the near future, expenses of the business etc.

i) It helps in efficient cash management – Cash is the basis for all operations and hence a projected cash flow statement will enable the management to plan and coordinate the financial operations properly. The management can know from which source it will be derived, how much can be generated internally and how much could be obtained from outside.

ii) It helps in internal financial management-It provides information about funds which will available from operation. This will help the management inn determining policies regarding the internal financial management eg, Possibility of repayment of long term debt, dividend policies, planning replacement of plant & machinery etc.

iii) Discloses the movement of cash- The increase in or decrease of cash and the reasons therefore can be known. It discloses the reasons for low cash balance in spite of heavy operating profit or for heavy cash balance in spite of low profit.

iv) Discloses success or failure of cash planning – The extent of success or failure of cash planning can be known by comparing the projected cash flow statement with the actual cash flow statement and necessary remedial measures can be taken.

 

Limitation of Cash flow analysis –

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1) Cash flow statement can nor be equated with the income statement. An income statement takes in to account cash as well as non-cash items and therefore net cash flow does not necessary mean net income of the business.

2) The cash balance as disclosed by the cash flow statement may not represent the real liquid position of the business since it can be easily influenced by postponing purchase and other payment.

3) Cash flow statement can not replace the income statement or fund flow statement. Each of them has a separate function .

However, the technique of cash flow statement when used in conjunction with ratio analysis serves as barometer in measuring the profitability and financial position of the business.

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My site is about my life as an expat and my travels around the world.

Travel, expat

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Uses of Fund Flow statement

Uses of Fund Flow statement-

i) It explains the financial consequences of business operation. Funds flow statement provide a ready answer to so many conflicting situation such as ;

a) Why the liquid position of the business is becoming more and more unbalanced in spite of business making more and more profit ?

b) How was it possible to distribute dividends in excess of current earning or in the presence of a net loss for the period ?

c) How the business could have good liquid position in spite of business making losses or acquisition of fixed assets ?

d) Where have the profits gone ?

 

Defined answers to these questions will help the financial analyst in advising the employer/ client to direct the fund to the channels which will be most profitable for thee business.

ii) It answers intricate queries: - The financial analyst can find out answer to a number of intricate questions-

a) What is the overall credit worthiness of the enterprise?

b) What are the sources of repayment of loan taken?

c) How much funds are generated through normal business operation?

d) In what ways the management has utilized the fund in the past and what are going to be likely use of funds?

iii) It acts as instruments for allocation of resources. - A projected fund flow statement will help the analyst in finding out how the management is going to allocate scarce resources for meeting the productive requirement of business. The funds should be managed in such a way that the business is in a position to make payment of interest and loan installments as per the agreed schedule.

iv) It is a test as to effective or otherwise use of working capital- The adequacy or inadequacy of working capital will tell the financial analyst about the possible steps that the management should take for effective use of surplus working capital or more arrangement in case of inadequacy of working capital.

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Ancient therapies

Ayruveda:

Ayruveda is an important discipline of Indian medicine. It has a 5000-year-old history. It is fully recognized by the World Health Organization. Ayur is in Sanskrit means life, it is known as “science of life”. It is a mixture of physical, social, moral, mental welfare. Ayruveda proceeds with individualistic approach. Ayurvedic theory diagnonises patient constitution and learn how a disease might manifest itself depending on the body structure. It not only recommends medicine but also recommends each person’s lifestyle, dietary habits, exercise, drug therapy, condition of digestion, pachakarma and Yoga practices to restore balance in the body and mind. It derives and connects body and soul. Ayruveda connects science to ancient medicines.

Unani:

Unani system of medicine has its roots in Greek philosophy. Our body is composed of four basic elements: earth, air, water and fire. All four elements have different sub sections and heat. All four elements are merging and output is four different temperatures: hot wet, hot dry, cold wet and cold dry. The treatment here comprises of three components: preventive, promotive, curative. For the balanced health the six essentials written above are the need of the hour: Atmospheric air, drinks and food, sleep and weaknesses, excreation and retention, physical activity and rest, mental activity and rest. The diagnosis processed with the help of pulse examination of urine and stool.

Yoga:

It is a drugless therapy. It is popular all over the world. With the advancement of the modern technology our lives are now too fast paced: Computer, internet, cell phone, television. Heavy work, tight schedule, demanding work conditions is slowly making us more and more stressful. Yoga helps to retrieve mind and rejuvenate ours bodies. With Yoga we stay at the present, living with the present and in this way we releases stress. Yoga helps us to relax and learn various types of pranayama. Yoga helps you to become more aware of your body posture, alignment and breath. Yoga invigorates the internal organs, reduces fat and stimulates the nervous system.

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Mummy,Daddy,Buddy,Teacher,Maid are roles I play to my two handsome and boisterous guys. Countless lessons are

Lessons from kids,Parenting

The anatomy of trust in business

In a business environment the most important parameter of trust is the quality of products. It solely augments and builds the brand. Still, there are various factors, which can build trust. Consumer perception, aggressive marketing strategies, established marketing push, viral marketing are some of the technology which can build trust. Various positive news, reviews, buying guides, analytical perceptions and some of the empowerment to consumers is the positives, which can build trust and long-term strategy. It gives collective intelligence and provides the opportunity to garner the interest of the consumers. Some strategic analysts think the trust can be measured ad calculated. It is to be calculated upon one of the longest questionnaire, given to customers and analysis beyond it. It is based on six parameters .Awareness, availability, credibility, loyalty, quality and satisfaction. Analysts say these factors determine the “trust” as brand.

Awareness: Buying decisions depend upon awareness and marketing decisions depends upon the brand. Respondents judge the awareness to the open-ended questionnaires relating to the brand. On the basis of popularity of brand awareness can be judged.

Availability: How easily the brand is available in the market? The consumer wish list and the easily availability of the brand is the prime focus of the brand.

Credibility: How much respondents trusted a brand? This is based on brand’s perception and image.

Satisfaction: It is based on after sales service and how easy to get the after sell service and so on.

Loyalty: It can incite passion into the buyer’s mind of a brand and the positive and the negative about the brand, and it puts the brand loyalty at a very high stake.

Quality: Reliability ,design ,innovation and features combined to make the quality paramount.

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Fendi

Men are born to succeed not fail

He is 37 years and his age is catching up as a sportsman many would say. Give him the honor as they did to Ganguly, Khumble and David’s ODI retirement. He worked hard and bound to fight back soon. He will silence his critics and makes all the stones thrower at him and converted them to milestones. Be it home or down under Laxman always prevails against Kangaroos. This series may be an exception Laxman’s contribution to Indian cricket , from swash buckling knock of 291 against Australia , at Edens’s in 2001 to 176 not out at the same venue against WI has been incredible, how can media for get it ? Kangaroos are playing in their own den, let us wait, when they reach and play in India, and a potential 4-0 slot of Australia in India will be a perfect recipe as we should call that Australia is playing at home and that is why they are winning. We have seen the England won at home defeated India but failed five zero los to India. Australia will be feeling the same at India. Australia coach M. Arthur boasting about his team’s win against India but what is new at it? India is always not good playing at Australia and also M. Arthur being slot miserably as South Africa coach as lost World cup to India and must be solace his wounded sole as if he had won the world cup and is why making statements at the media. At the beginning of the series there has been talk of Hussey retirement by partial Kangaroos media , after making a century after a long gap of time now the same Australia media is saying he is the future and now they are against Laxman. Now everything is forgotten and India media is following what Australia media saying a pattern known as colonialism or should I say virtual colonialism. Can India media support these greats and suggest how to improve and be positive. Support your team in hours of crisis and this applies to former greats like Kapil Dev and Gavaskar so that they will go over this slope, nothing is impossible, remember men are born to succeed not fail. Dhoni clears the air , that there is no such move of Laxman’s retirement. Dhoni hinted that there could be phasing out of senior players. It is natural and no question over it. In the last two years Laxman was the savior as the match winner or match saver for India. He scored when the team needs most and do we forget the knocks against the Lanka or at Mohali (vs Australia) or at Ahmadabad (NZ) or in South Africa. All these efforts came in last two years. In cricket, average does not matter for real cricket enthusiasts it only matters for the media persons .Laxman played very important innings when the team needed most but surprisingly the role played by India media sees like just the average playing. In the last two years and till the recently concluded WI series Laxman always be the savior for team India. I think the memory of critics are very short , critics which included many former players whose records now been mediocre in present of these greats are now questioning the currently greats. They are saying the age is catching up with Laxman and questioning his fitness but Laxman is always a safe catcher and he is no longer in the ODI. Laxman should not be bothered by criticisms of so called critics. He is always let his bat to do the talking. He has the ability to come good in the crunch situations.

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WITHERING-ROSE.NET

Black gram

BlackBerry Curve 9380 with touch screen

It is not expensive. It has no generic QWERTY key pad. The 3.2-inch display with a 480 x 360 pixel resolution its resolution is very qualitative with only 30 % brightness gives a bright display indoors. In bright sunlight the legibility factor does not arise. The web rendering and its font’s visibility and readability is fantastic. The only negativity is the color depth as it is seen in most of the Black Berry devices. The 5MP camera lacks the image stabilization feature which is pretty normal in most of modern digital camera and smart phone cameras. The video recording resolution is limited to VGA, just like the Bold 9790 with good image quality. Due to lack of image stabilization feature Battery lasts about 1.5 days in a complete charge up. There is a 1230 mAh battery. You should charge the battery fully once in one and half days to utilize its full processing power. This smart phone has the smaller font size than to its predecessor, it is good at touch screen and a very pleasurable to use it. The OS 7 is not for the touch screen all together that is why still there is some lacunae in it. The processing power is lesser than its predecessor with 806 MHz and single core , 512 MB of RAM , 3.2 capacitate touch screen, micro SD slot up to 32 GB and the Operating System is Blackberry 7.. Whatsapp, Facebook, Twitter, Foursquare and a couple of other apps running in the background butt he OS does not fridge and this means that there is a balance between RAM and processing unit in this phone. Use the key board of the phone is portrait mode. Due to size of the key board the spelling mistakes is bound to happen. The phone’s side opening mechanism is bit weird and you have to force it to open it. The phone is slightly classier than it s predecessor and it is the curve phone series of Blackberry. The phone has LED flash and zoom is digital. Music Formats supported MP3/eAAC+/WMA/WAV/FLAC . Video formats supported MP4/H.263/H.264/WMV . The FM radio reception is not available. Bundled Accessories Travel charger, data cable is available. Address Book Capacity and No of calls in register are of unlimited quality. It has inbuilt GPS / A-GPS support . It has connectivity of browsing (GPRS/EDGE/3G) , EDGE max speed (in kbps) 237 and 3G max speed (in mbps) 14.4 . The connectivity options are WIFI, Bluetooth and USB. The Bluetooth Version is 2.1 . This phone has A2DP support. The camera has auto focus and mirror for self portrait is not available.

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yhat on opinion towards common interests

Watch the ball

India team is at down under down and out of the series. Australia with much fan fare is playing at home. The crux of the problem is with the mind not with the technique. Sachin is middling the ball but unable to reach the century of century. A peculiar problem as it is unique and no other batsman in the history of international cricket in such a situation. The Indian media has been always negative to the team. Especially the electronic media is too harsh on the team. Gavaskar as former great and ideal of Dravid, Sachin and Laxman is not doing any good to the team by making some harsh comments. India is losing seven losses at the green top wickets of England and Australia but in between they are winning at home and against England at home they won comprehensively. What is the problem? Australia is bowling ours batsman full length delivery and to ours bowlers the shot pitched stuff. The way main batsmen are bowled to the in swinging deliveries remains a problem. The main worry is the in swinging balls and the batsman getting out to ordinary bowlers like Siddle who earlier to this series average 30 in the test match. Hilphenaus also been dropped earlier and returning back to the side after two years and he is making merry of the batsman especially the tail handlers. Te situation of batting of India is very pathetic and the batmen are out of sorts except Sachin and Kohli.

 

This is really a grave situation but in this extraordinary situation we should not be more against to ours team. We should support ours team in this time of emergency. India can bounce back and also it is important to groom the newer talents in this point of time. Laxman’s performance in the last year is below par but we should give him a respectable exit. Shewag is a natural middle order batsman and he also expressed his view about it to bat in the middle and for this Shewag should bat in the middle order and a slow and correct batsman like Mukund or Rahanne should open with Gambhir . he next in line for one year should be Dravid and Shewag should not be given more than six months to prove this presence. Gambhir ‘s form and Dhoni;s form is worrying and India seriously needs to consider to strengthening the batting and also the mental ability. India team have to battle not only the Australia eleven but also their media and also Indian media and surprisingly all are against the team. Umesh Yadav is the shining star among the lot with fast breeze bowling at the hot Perth. Australia must be getting their own medicine with his ultra smart bowling. Ashwin is disappointing and failed to grab the golden chance to permanent his place at Indian team. Zaheer as usual is good and bowling in good line but the disappoint is Ishant who bowled his heart out but failed to capitalize in the wicket column. The coach Flethcher can be blamed partially as before him Kirstein does the good work but now he is making the performance worse.

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Web design Blog

Blogger Talking Points for Walgreens-Express Scripts Dispute

This post brought to you by Walgreens. All opinions are 100% mine.

Express Scripts Inc has decided that Walgreens will no longer be in its network, doing so has upset thousands of customers. For the past year Walgreens has negotiated with Express Scripts for a new contract to continue as part of its pharmacy provider network. Express Scripts makes the use of prescription drugs safer and more affordable. Those discussions were unsuccessful. Express Scripts improves health outcomes and lower medicine costs for American families .On Dec 31 the contract between Express Script and Walgreens ended. Walgreens is no longer element of Express Scripts’ pharmacy provider network as of Jan. 1, 2012. Earlier all Walgreens pharmacies nationwide and Duane Reade pharmacies in the New York City area are art of Express Scripts. Due to this unwanted situation in-network pharmacy benefits acquired by million of customers are now in a halt. Express Scripts’ untimely disruption action causing disturbances to patients and their health plans. This is unwarranted from the Express Scripts’ as it seems due to their action million of patients has been on the negating side of the health care and also Express Scripts is driving away the power from the innocent and honest Walgreens and they have been devoid of their wonderful duties of serving the humanity, and this only happens due to Express Scripts. Walgreens is America’s online pharmacy serving your needs for prescriptions, health & wellness products, health information and photo services. Patients covered by an Express Scripts plan now find themselves not only having to change their pharmacists, but many are having to drive farther to get prescriptions filled at pharmacies with less convenient hours for their hectic schedules. Walgreens offers more 24-hour and drive-thru pharmacies than any other pharmacy in the country. The real losses to the patients and for health every minutes bites and for this the Walgreens work has been fantastic. With Walgreens you get individual membership for only meager 5$ and every day 25$ shipping free. Walgreens is like a prescription saving club. Due to Express script's action patient are to undergo more hassle and more pain but without any gain.

 

Express Scripts makes the use of prescription drugs safer and more affordable for tens of millions of consumers through thousands of employers, government, union and health plans. It operates at low cost and better health value to customers. It is the industry leader in this market segment. Express Scripts is the retail pharmacy and it gives home delivery to millions of customers.

 

During negotiations, Walgreens suggested to hold rates for a new contract flat and did not seek an increase in rates. The response from Express Scripts was disappointing as it is  insisting  to unilaterally determine contract terms and services, for example  what does and does not constitute a brand and generic drug , this is very dangerous as this can fuel bad medicine practices which Walgreens opposed . Express Scripts also proposed to reduce drastically Walgreens reimbursement rates to levels below the industry average cost to provide each prescription, that is very disappointing, and it is against human's health. It seems that Express Script is playing with the life of patients and want to earn more by making the business out of significant human lives. Costs may even go up without Walgreens because of lack of competitive pricing, additional savings by dispensing less expensive generic drugs more often than other pharmacies, and savings through 90-day supplies of medications at our retail pharmacies versus three, 30-day refills.

 

One of the major Express Script clients is Tricare; Tricare is the health and prescription drug program for America’s military service men and women. Walgreens also offered to contract separately with Express Scripts for Tricare from other Express Scripts commercial business, but these offers were rejected. Walgreens offered to contract separately with Express Scripts for Tricare from other Express Scripts commercial business, but these offers were rejected vehemently. Till to date Express Script is continuing in denial for a separate agreement for Tricare with Walgreens but Express Script is still in denial. Express Scripts continues to refuse to negotiate a separate contract for the benefit of the Tricare program and its beneficiaries.

 

Patients under an Express Scripts plan have used Walgreens pharmacies for years and have a personal relationship with their Walgreens pharmacist. In an action to minimize their disruption, Walgreens unveiled a comprehensive national effort to make this transition as smooth as possible and is doing all it can to help patients continue to use Walgreens when possible, or take care of them as they are forced to leave Walgreens in order to use their in-network coverage.

 

Among the steps Walgreens is taking to minimize the disruption:Walgreens and Express Scripts

 

    a special discount on annual membership for its Prescription Savings Club at Walgreens

    Special January promotion for only $5, or $10 for a family membership, and receive savings on more than 8,000 brand name and all generic medications.

    Regular annual membership is $20 for an individual and $35 for a family.

Walgreens prescription saving club is offering a special discount on annual membership for its Prescription Savings Club. Read more from here

 

Express Scripts acts as a middleman between pharmacies providing the health care service. Many health plans and employers are making decisions to continue to ensure access to Walgreens because they find  Walgreens prices to be competitive and believe that it can lower overall health care costs. The sad part is In Express Scripts’ case, the broker is growing profits faster than the provider of the service that is Walgreens.  When the middleman is more profitable than the providers, the relationship is out of balance.

 

Beyond the contract issues, the principal issue between Express Scripts and Walgreens is really the value of your local community pharmacy. Express Scripts wants customers to use their own mail order pharmacy business instead of your community pharmacy whenever possible. This could stop all community drugstores in your area. Community is pharmacy is like emergency services. These are often the first point of entry for many people into the health care system, and the value proposition augmented by lowering overall health care costs should be recognized by Express Scripts.

 

A Walgreens proprietary survey was taken with 823 executives and managers who are key decision makers they would not exclude Walgreens for less than 5 percent savings on their total pharmacy spend. Sixty percent of employers would not exclude Walgreens for less than 10 percent savings, and 21 percent would not exclude Walgreens from their network regardless of the amount of savings. Employer’s value having Walgreens as a pharmacy option for their employees, but Express Scripts wants to take that choice away.

Walgreens (www.walgreens.com) is the nation's largest drugstore chain. The company operates 7,786 drugstores in all 50 states, the District of Columbia and Puerto Rico. Each day, Walgreens provides nearly 6 million customers the most convenient, multi channel access to consumer goods and services and trusted, cost-effective pharmacy, health and wellness services and advice in communities across America. Walgreens scope of pharmacy services includes retail, specialty, infusion, medical facility and mail service, along with respiratory services. These services improve health outcomes and lower costs for payers including employers, managed care organizations, health systems, pharmacy benefit managers and the public sector.

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