Senior Placement Services - Home For My Parents

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Quizno's Sandwich company

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Quizno's is the second prominent sub shop enterprise today; Subway is the first prominent shop. Quizno's does have other competitors such as Blimpie's and Jerry's Subs; however, Subway is Quizno's original competitor. The Subway website reads, "Subway is the world's largest submarine sandwich chain with more than 30,000 restaurants in 87 countries." (Subway History 2009). Rebecca Steinfort, the Chief Marketing Officer for Quizno's said, "Our main competition is Subway, which is an 800-pound gorilla" (York 2009). Subway began back in the 1960's, agreeing to the Subway legal site page. The site reads that, Subway was started in New York by Fred DeLuca and Dr. Peter Buck; Subway has been in enterprise for over forty-three years (Subway, 2009).
Size and Trend of Industry

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According to the National cafeteria Association, the quick-service cafeteria industry is very profitable; the profit revenues laid out 47.5% (or 1 billion) of the food dollar. The quick service industry in the U.S. Receives profits of up to 120 billion. The convenience of quick-service has proven to be a sizable success for this industry. agreeing to the United States department of Agriculture, in the middle of 2000 and 2010, the consumption and spending on fast food is predicted to increase six percent mainly because of the new-age families that spend more time inviting in activities face of the home. agreeing to an affiliate of the Dun & Bradstreet Company, Hoover Incorporated, many households favor convenience over cooking, which prompts quick-service restaurants to place their franchises in more unorthodox locations such as inside airports or gas stations. agreeing to Hoover's Inc., fast-food chains in the U.S. Are finding to adapt the increase in buyer spending by targeting international markets, particularly in China (Advertising Age 2009).

The enterprise seeks to be the number one sub shop choice. In its endeavor Quizno's has made sizable strengthen straight through its interesting, yet questionable advertising techniques. In Quizno's advertising techniques, they have created ads that are targeted primarily to men and women in the middle of the ages of 18-34 years of age. agreeing to an record from the Mcclean Marketing Group titled "Quiznos sponge monkeys revisited - Buzz isn't enough," the restaurants' target audience is 18-34 year olds and its spots are created with this audience in mind. In the past, Quizno's had used a commercial ad, created by the Martin Agency, which used a sponge monkey as the spokes person. When the ad was created, the idea was to originate an eye catching and inviting commercial that would stand out from its competitors. In a Washington Post News Week article, the sponge monkey in the commercial is described as, "A small, furry creature, wearing a bowler hat, levitates as he sings an ode to Quizno's subs" (Stevenson 2005). Other past marketing techniques used by Quizno's included the Quiz Kidz program, "in which a extra menu was developed for the puny ones and initially launched with a "kids-eat-free" promotion." This enterprise Network record also mentions the purpose of the Quiz Kidz program, which was to attract parents who would, instead of a sub, enjoy a salad or pasta. Overall, the sponge monkey commercial was a success in grabbing the attention of viewers; however, it had drawn in a vast number of complaints from customers who felt the commercial was unpleasant and tasteless. On the other hand, the Quiz Kidz agenda was a success due to its family oriented approach. agreeing to this enterprise Net article, the Quiz Kids agenda increased "evening and weekend business, it nearly tripled sales." These are the major past marketing activities that have been presented by Quizno's. (Edwards 2009 p. 2).

The current marketing activities that Quizno's is currently using include delivery and catering services; Quizno's has also altered its menu to surpass Subway's five dollar foot-long deal. In doing so, Quizno's is currently gift the four dollar Torpedo sub which claims to be a great tasting sub for a lower price. In the endeavor to promote the lower priced sub, Quizno's has taken the sexually suggestive arrival in its current commercial ads. Advertising for the Torpedo sub was created by the advertising department Nitro. The commercial ad is focused on the Torpedo sub; however, in the commercial an actor and a voice over is used; the actor and the voice over both say sexually suggestive phrases such as, "Put it in me," and "Say it Sexy." This commercial has also drawn up much attention for Quizno's any way it has stirred up many complaints as well. (Ehrke 2009)

In expanding to the inviting commercials and lower priced subs, Quizno's has developed and implemented the "Million Sub Giveaway." In this tactic, Quizno's is gift free subs to customers who agree to share personal information; mainly their email addresses. agreeing to an "Advertising Age" record titled, "Quizno's throws Subway curve with Sexy 4-dollar foot-long," "Quizno's offered a "Million Sub Giveaway," "which is an online endeavor that e-mailed a coupon to the first million customers to give their names and e-mail addresses." These marketing activities are fairly new to the public, and are chronic to be promoted on national and international levels (York 2009 p. 7).

According to Advertising Age, in 2008 Quizno's spent million on advertising via the Nitro Group, with the total profit/revenue at an estimated .9 billion. In dissimilarity Quizno's competitor spent over 300 million dollars on ads (York, 2009 p. 10).

Franchising a Quizno's. agreeing to the Quizno's internet homepage, in order to franchise a Quizno's safe bet criteria must be met. To buy a Quizno's franchise, you need a credit score and a net worth of 5,000. As a part of your net worth, you need ,000 in liquid assets like cash or stocks which you can use to spend in tour cafeteria franchise opportunities. Net worth is defined as your total assets; so that's cash, stocks, homes, cars, recreational vehicles, businesses, as so on, less your total debt (Quizno's Homepage 2009).

Referring back to the Quizno's homepage, "You can have in the middle of three and six employees working at one time. You might have 15 total employees on your payroll if you use part-time employees to work on dissimilar shifts." Also, the number of hours spent depends on the owner's preferences, such as operating the franchise independently, or hiring a owner to oversee the stores day-to-day affairs (Quizno's Homepage 2009).

Quizno's has many good qualities as a company, three of its current strengths are the four dollar Toasty Torpedo, the commercials are very memorable, and Quizno's delivers. The Quizno's four dollar Toasty Torpedo is cheaper than the Subway Five Dollar Footlong. In today's cheaper everybody is finding for a cheaper lunch and the Toasty Torpedo is the great buy. The Quizno's commercials over the last few years have been very memorable; they contained a memorable message and recently came out with a commercial that is getting a lot of attention. Another force of Quizno's is its delivery service, Subway and other fast food restaurants have not yet begun delivering, so Quizno's is pioneering the fast food delivery. Another force that benefits Quizno's is its delivery service. Currently, participating franchises offer the services while typical lunch hours. Unlike Subway, Quizno's delivers personal and catered orders to customers, with a base fee and delivery charge. Choosing the choice of group ordering, and the time you would like the order delivered, are also offered. These advantage Quizno's because they have more franchises that contribute the delivery service. Also, this helps the enterprise because of the supervene the cheaper has had on fuel prices. Rebecca Steinfort, Quizno's senior vice-president of delivery and catering, explains: "We've seen a great response even though we have not been advertising.

The Quizno's four dollar Toasty Torpedo is also cheaper than the Subway Five Dollar Footlong. For 4 dollars, customers can buy a toasty torpedo sandwich before tax. In comparison, Subway's five dollar footlong costs before tax (Green Eggs Marketing, 2008, para.1-2). Quizno's benefits because the low price of the sandwich can encourage customers to add on to their meals by adding a bag of chips or a soda. Those side items are low priced, and the total cost of the meal will not exceed (Toasty Torpedo, 2008, para.2).

A weakness that Quizno's has right now is that although it has a delivery service it is very poorly advertised. The only way to examine Quizno's delivery service is to visit the website; on the site there is very puny facts about the service. Customers should be made aware of the delivery opportunities. Another major weakness that Quizno's has is its prices. agreeing to President of Quizno's Subs Greg Macdonald, "Consumers love the sandwiches but found them too expensive" (Marketing Magazine p.3).

The next weakness that Quizno's holds is their advertising approaches. For instance, previous commercial ads seemed a bit common and un-appetizing. One commercial that complicated a sponge monkey was raved as disgusting and unnecessary. agreeing to an record from the commercial Archives titled, "Quiznos Dusts off Baby Bob," Quizno's commercials have had negative ratings and perceptions, despite the ads' popularity. It is reported in the record that, "the ads give the idea that rats are in Quizno's subs," (Adland p 1). Another perception of a Quizno's ads was," Baby Bob just isn't very funny or inviting or anything" (Adland 1). These two commercials complicated the shouting sponge monkeys, and the talking baby. As for the most new commercial advertisement, there is a huge weakness in this add. The commercial focuses on the new four dollar torpedo sub. While the commercial does focus heavily on the sandwich, its sexual suggestions are even heavier. To compete with Subway's five dollar foot long, Quizno's has created the four dollar Toasty Torpedo.

To promote this sandwich, Quizno's has developed a commercial that has been called inappropriate, offensive, and tasteless. There is a talking oven that is having a conversation with a chef. The oven is repeating comments such as "Put it In Me." agreeing to the website onemillionmoms.com, an record titled, "Quizno's is more than 'Toasty'; they are in Hot Water," reports assorted mothers who are against the new commercial advertising arrival because of its inherent influence on television viewers. The record quotes one mum as saying, "I find the homosexual innuendo tasteless, and it only serves to lessen the character of your company. Young children may not see the implication, but teens and adults admittedly do"

As for the actual Toasty Torpedo sandwich, the sandwich has been reported as gross, disappointing, and even bland. agreeing to an record titled, "Quiznos' Torpedo vs. Subway's foot long," from the "Orange County News Source," consumers have said "I couldn't believe how bland the sandwich tasted, and how dry the bread was. I was admittedly disappointed" (Luda 2009). The Toasty Torpedo is all reported as finding like a wholly dissimilar sandwich compared to the one shown on television. It is said that the sandwich does not even look close to what has been shown in the Toasty Torpedo commercial (Orange County News Source p 3). Quizno's has been reported as having Another weakness, Quizno's has a malfunctioning issue with the Million Sub Giveaway special. In this, consumers were given the occasion to share their names and email addresses in change for coupons at Quizno's restaurants. Though the giveaway was successful at collecting buyer data, it had a few malfunctions. In the giveaway it was reported that consumers never received their coupons, others could not print the coupons out, some Quizno's franchises even turned the coupons away (Advertising Age 2p).

One big occasion for Quizno's is to undertake international expansion. Quizno's currently has over 500 restaurants in over 21 countries. If Quizno's opened more restaurants in other countries the enterprise could continue to strengthen more and reach a larger group of customers.

Currently, Quizno's largest threat is Subway. Subway has launched the five dollar foot long deal on every one of its sandwiches; in contrast, Quizno's only offers its four dollar sub deal on take subs, which are the Toasty Torpedo subs. In expanding to the sandwich deals in case,granted by subway, they have also launched a side kick deal. In this, when a buyer buys a five dollar sandwich from subway, they are able to pick from a variety of side orders for only a dollar. The side orders include cookies; apples, and a 20 ounce beverage.

Another big threat to Quizno's right now is the commercials that they are running to promote the Toasty Torpedo. Although it is a memorable commercial, it may cause some problems. The Toasty Torpedo commercial uses many sexual innuendos and inherent homosexual suggestions which could potentially cause dissimilar groups of customers to manufacture a negative attitude towards Quizno's. On other hand its competitor Subway, has developed complicated commercial ads that have a catchy jingle that promotes its five dollar foot long subs. This jingle has been reported to be a huge success and has captured the attention of millions.
According to an record from the retell Atlas titled, "Get Tuned up for the Return of Advertising Jingles," "Subway's "Five Dollar Foot-Long" commercial contains three key ingredients of a successful jingle. It's catchy, it's concise and it tells consumers something about the enterprise you want them to know." (Review Atlas p, 20). The threats that Subway presents to Quizno's are gigantic and appear to be unbeatable. Therefore, it is necessary for Quizno's to continue to compete in the race as a prominent sandwich provider

Using primarily a focus group to gain an in-depth look at Quizno's, there was a vast number of information. In expanding to a focus group, the notice formula was used to substantiate the findings that would come from the focus group. On a Wednesday, at approximately 12:40pm, The Quizno's cafeteria was packed with costumers. There were consumers in every seat, and there was a line that stretched to the back of the restaurant. In this observation, the consumers who were seated were all eating in groups. Most of the consumers were dressed in collared shirts and neatly pressed dress pants. It appeared that everybody was on a lunch break. All of the customers purchased a sub that was toasted, and oozing with cheese. However, there was one female buyer who was eating a salad, and appeared to be quite pleased. All of the consumers had a fountain beverage along with a bag of potato chips. As for the environment in the restaurant, it was somewhat noisy and crowded. In addition, the weather face was unpleasant because of the rainfall. However, this did not stop the consumers from ordering a Quizno's meal. Each buyer patiently waited for their meals, however, they did not appear pleased with the service. It seemed as if the workers were inviting too slow, agreeing to the consumer's facial expressions. Also while the observation, the demographics of the consumers were obvious, including, gender, race, and age. while the lunch hour, there were more men than woman throughout the whole restaurant, and it was documented that approximately 95 percent of the consumers were Caucasian. The other 5 percent were of other races that ranged from African American, Asian, and Hispanic. The general age range was 25-45.
Though the notice formula was used, the original investigate formula was the focus group. The focus group consisted of eight individuals; 5 of them were admittedly eating and enjoying a Quizno's meal, and 2 two were in the cafeteria with a friend who was waiting in line for a Quizno's sub. The consumers all agreed to partake in the focus group; they all were delighted to do so. The age range of the focus group was 19 to 45. The focus group members were Caucasian-Americans. The majority of the focus group members were white collar workers who had decided to eat at Quizno's for their lunch breaks. The other half was Towson University students. The members were asked over 30 questions, together with demographics, beloved Quizno's commercials, beloved Quizno's items, and least favorites items. The questions were designed to understand the fundamental feelings that consumers had towards the suggestive messages displayed in Quizno's advertisements. However, in regards to asking questions relevant to said advertisements, there was a variety of answers.

Within the focus group, the majority of them replied "I just fast send past the commercials on my Tivo, (An interactive television application), so I have never even seen a Quizno's commercial." Others expressed which commercials stood out to them the most, and which commercials were ineffective and offensive. The replies ranged from "the commercials were funny;" to "the Quizno's commercials are gross;" to "I've never seen any of their commercials to be honest," to "the commercials made me hungry for subway." One focus group member even replied, "Quizno's is the McDonald's of subs, it's sickening, they both are horrible!" Each ask was directed to each member and each member gave an equal response. From this focus group, the fundamental feelings, opinions, and emotions about Quizno's were discovered, as well as their feelings about Subway. Consumers expressed personal preferences in regards to Quizno's commercial advertising, and in case,granted suggestions on how to enhance it. The extreme findings from this focus group was the low effectiveness of Quizno's advertising approaches; primarily its television commercials.

The hypothesize for using the focus group was to gain in-depth and personal facts from actual Quizno's costumers. Another hypothesize for using this arrival was to gain actual responses to identify the short comings of the Toasty Torpedo television commercial, and other advertising approaches. This arrival was also productive because it allowed personal interactions with costumers; the focus group also allowed consumers to feel comfortable and willing to open up. A examine was not used in the investigate because it would not exhibit the rigorous feelings that consumers had toward Quizno's. In a focus group, a firsthand response would be given truthfully and openly.

A personal interview was not used in this investigate because there are so many differing opinions in regards to Quizno's and its commercial ads. A focus group would display the varying opinions on a more information and emotional level. Ultimately, the interview would limit the results to one perspective, compared to a focus group. Also, the results from a personal interview would be biased and lack a multi-dimensional response. The focus group has admittedly affected the Marketing campaign, primarily by providing understanding of why Quizno's past commercials were ineffective. The results from the focus group will demonstrate the definite elements that can aid in the endeavor to gain more customers, while regaining lost customers straight through enhanced advertising strategies.

The original target audience that is best for Quizno's to motion to is the middle class white collar segment. The middle class is in fact the largest class in the United States, agreeing to the Pew investigate Center. The middle class is largely comprised of married individuals with children, college students, and college grads. The Pew investigate town reports that 68 percent of middle class members are homeowners. It is also reported that a large number of middle class member eat out any times a week; this audience is retell as healthy individuals as well. Moreover, the middle class is described on a geographic level as well. In this report, most middle class individuals reside in suburban and rural areas. approximately 54 percent of middle class members reside in suburban areas, compared to the 40 percent that live in urban areas. agreeing to the communal pathology and Reference Groups, the middle class tends to value education, news, homeownership, and stability (Social pathology p. 13). agreeing to Dr. L Robert Khols, the director of International Programs at San Francisco State University, the middle class American also values equality, wealth, newness, innovations, success, and time. (Kohls, p.3-10). The middle class target audience has a variety of demographics, geographic, and behavioristic elements; however, the more affluent segments of the middle class are crucial to finding the exquisite target store for Quizno's.

The 18-24 year-olds laid out 26.1 million of the United States population, with the highest numbers of this demographic living in the Northeast. Whites still have the highest people of citizens at 62 percent. Hispanics are second at 16 percent, Blacks are third at 13 percent, and Asians are last at 5 percent. Less than 3 percent of this age group lives at home with their parents whether in school full time or not in school at all. In the U.S. 62 percent of this people have a high school diploma with some college education, while 16 percent have no high school diploma or degree. Fifty-five percent are working middle to low-income full-time jobs, with personal earnings amounting to 60,000 dollars. A puny over half of the individuals in this age group have never been married, and currently have no children. agreeing to the Journal of Advertising Research, "this generation of citizens are idealistic, socially conscious, individualistic, anti-corporate, speak their minds and dress as they please." (Kapner, 1997). It is because of these hypothesize that this singular segment is difficult to advertise to. They do not succumb to the usual advertising methods that have proven to be successful for other age groups (Wolburg, 2001). Those in this age group that are college students are also prominent because of the impact they have in the market. In numbers they can influence others because of how speedily they adopt new products, and how speedily they manufacture brand loyalties that will last long into adulthood (2001).

This target store consists of middle class males who are in the middle of the ages of 25 and 39. The salaries of this store ranges from 35,000 to 50,000 dollars a year. They are fresh in their careers; mostly in good condition and value time as they do money. Most of the individuals in this store area are in a managerial position (Lexis-Nexis, Valios). To added preserve this is an record from Restaurants and Institutions. The record reads, "Middle-class consumers are most likely to say that casual-dining restaurants are their original dining-out choices." This store has also been reported to eat at restaurants that reflect their communal status. The cafeteria and Institutions site record reads, "Middle-class consumers are more likely than lower-middle-class or upper-middle-class consumers to say that their cafeteria choices reflect their communal status." The record says that these middle class individuals have a range of household incomes beginning at 35,000 dollars a year. To also interpret this target markets value of time is the cafeteria and Institutions article, which reads that most individuals in this middle class store will more than likely not wait more than thirty minutes for a meal; nor will they wait that number of time to be seated at any restaurant; "nearly one-third of these consumers purchase lunch on weekdays, the members of this demographic also feel time-pressed" (Hume, Restaurants and Institutions, 2008 p5). This target store appears to value time, work, money, and quick-meals. This group is a great store because of the large number of members who dine out frequently while the week.

This suggested target store mostly comprises of males who are white collared workers in the middle of the ages of 41 and 65; they are mostly married with children and typically live in suburban areas, any way work in urban areas. This segmented group is a good target store due to its growing numbers in corporate work fields. Therefore, since the number of white collar workers has increased, so have the amounts of lunch breaks that can be catered to by Quizno's. agreeing to a record from the United States general Accounting Office, the workforce is expanding with elderly workers. In this was reported a 19 percent increase in white collar workers who are in the middle of the ages of 55 and 77. These numbers were calculated for the year of 2008 (Gao projections 2008). The record also illustrates the mean salaries of white collar workers who are in the middle of 55 and 74. More specifically, the record says that a large number of white collar workers, in the middle of 55 and 64, are in administrative or administrative positions, earning over 50,000 dollars a year. This is one target store that Quizno's should reconsider due to its growing size. Another record from the Pew investigate town illustrates, in a series of charts that the division of males, who are in the middle of the ages of 40 and 60, tend to be in expert or administrative positions. The record describes most of these individuals as being married with an mean of two children; about 45 percent of these individuals have a ranging wages of 50,000 to 100,000 (Pew investigate Center, p.68. 2009). The hypothesize this store may be a great choice is due to the ready financial resources that these individuals hold. Another major hypothesize for this target store choice is due to Tivo. From the results of the focus group that was conducted, the older members of the group admitted to fast forwarding straight through commercials. With the Tivo feature, commercial spots are being missed and un-heard by older middle class workers. In the focus group, most of the older members had never even seen a Quizno's commercial; yet, they are well-known with the cafeteria but not its specials. The goal is to reach out to the more affluent middle class male workers because they are able to afford commercial filtered television; thus, decreasing the number of commercial viewership. Therefore, it is necessary to heavily target this store in a new and innovative manner. To preserve this is Stephen Baker, from enterprise Week, who reports, "Approximately 6.5 million TiVo-like devices are currently in use in the U.S. And 70% of them are routinely used for commercial avoidance; the devices are threatening to bring the -billion-a-year Tv advertising enterprise to its knees" (Business Week, p 1). Therefore, the Elder store segment will be the main focus for the enhanced Quizno's marketing strategy.

Not only is advertising necessary for Quizno's, more inviting and tighter advertisements are needed. Subway is Quizno's prominent competitor and is having much success. Subway has advertisements that range from jingles, to funny skits, to extra meal deals. In contrast, Quizno's is the second prominent sub dealer; therefore, it is necessary for Quizno's to keep up with Subway on a constant basis. It is prominent for Quizno's to target its consumers straight through a blend of advertising forms. These forms include image advertising, and national advertising,. With image advertising, Quizno's will have the occasion to transform its image as the second prominent sub provider. agreeing to an record from the Microsoft Corporation titled "Advertising," image advertising gives a product a personality that is unique, appealing, and acceptable so that the buyer will want to pick it over similar products that might fulfill the same need" (Microsoft 2009 p. 9). National Advertising is admittedly necessary for Quizno's to continue with so that consumers are continuously reminded of Quizno's; thus, fervently contentious with Subways advertising approaches. The point of this national advertising arrival involves informing the nation about Quizno's its image, and its products on a continuous basis. The purpose for this prolonged national advertising arrival is to developing loyal consumers; thus, having them pick Quizno's over its competitors. agreeing to the Microsoft Corporation article, "national advertising tries to build buyer loyalty to a product or service." (Microsoft 2009 p. 2). Gaining loyal customers is the objective in using the national advertising approach.

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Home For My Parents - Veterans Support

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Home For My Parents - Financial Overview

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Michigan Fab Five (5)

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The Michigan Fab Five (sometimes plainly written as Fab 5) is the name given to the University of Michigan basketball team that started five star freshmen players during the 1991-1992 college basketball season and then the same five players in their sophomore seasons. All five members played in the 1991 McDonald's High School All-American game together and were all ranked as top 100 high school basketball prospects with four of the five members being top ten basketball recruits. The five members were:

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How is Michigan Fab Five (5)

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Chris Webber (#1 ranked basketball prospect) Juwan Howard (#3 ranked basketball prospect) Jalen Rose (#6 ranked basketball prospect) Jimmy King (#9 ranked basketball prospect) Ray Jackson (#84 ranked basketball prospect)

The Fab 5 roster never won a Ncaa Tournament national championship but did play in two finals games suffering losses to Duke in March of 1992 and North Carolina in March of 1993. The final game the Fab Five played together is best known for the moment when Chris Webber calls timeout in the final moments but because his team is already out of timeouts when the invite is made a technical foul is assessed against the University of Michigan. The now infamous Chris Webber Michigan timeout incident directly contributed to Unc defeating the Fab Five in the championship game.

Much has been written about the inheritance of the Fab Five along with a best-selling book by sports journalist Mitch Albom plainly titled The Fab Five: Basketball Trash Talk the American Dream. While at the University of Michigan the focus revolved around the talent of the players and the attitude they brought to the court in terms of their swagger, baggy shorts, and arrogant antics. In many respects this group of five players that were assembled in Ann Arbor, Michigan played a sizable role in ushering in a teenage hip hop culture into the game of basketball.

With regards to the group inheritance of Chris Webber, Juwan Howard, Jalen Rose, Jimmy King, and Ray Jackson the five players will eternally be connected together with particular attentiveness given to their Nba success (or lack thereof) and the Fab Five scandal that tarnished their images.

Fab Five Scandal

The fab five scandal is also referred to in University of Michigan circles as the Ed Martin scandal because the circumstances primarily revolved around an affluent booster by the name of Ed Martin. The six year investigation was a collaboration keen the United States branch of Justice, Irs, Fbi, and Ncaa among others. The investigation complete that Ed Martin began giving cash and gifts to prospects as far back as the 1980s and that among the illustrious players he influenced was top hope and Fab 5 member Chris Webber whom Martin began illegally courting when Webber was in middle school. After initial attempts at denying any wrong doing Webber eventually found himself painted into a corner where his only selection was to confess. Ultimately the whole process was vetted and penalties were enforced against Ed Martin, previous players involved, coaches, and the University of Michigan which was sanctioned by the Ncaa in such a manner that previous victories and future post season eligibility was forfeited.

Fab Five in the Nba

Ray Jackson was the onlf Fab 5 member not to make it to the Nba. Each of the other four members played at least some Nba basketball. Interestingly the degree of expert basketball success these once extremely touted prospects enjoyed was well startling by the order in which they were initially ranked as college prospects during their senior seasons of high school.

Ray Jackson - #84 high school recruit: never played a Nba game Jimmy King - #9 high school recruit: played two seasons in the Nba Jalen Rose - #6 high school recruit: 13 year Nba occupation with no all-star game selections Juwan Howard - #3 high school recruit: 16 year Nba occupation (still active as of 2/10) with one all-star game selection Chris Webber - #1 high school recruit: 15 year Nba occupation with five all-star game selections

None of the Fab Five players ever won a Nba Championship.

Conclusion

With Juwan Howard, the final active player, in the twilight of his occupation the sun is very close to setting on a keen story that has been almost 20 years in the making. After diving into the first few layers of facts keen onlookers are often left asking themselves whatever happened to Ray Jackson who is the least known member of the Fab Five.

As it turns out despite a lengthy government investigation Ray Jackson was found to have never received any illegal compensation from University of Michigan boosters like Ed Martin. After being cut by the Knicks and later the Pistons in the mid-1990s Jackson later reminisced in a 2007 interview with Yahoo Sports that it took him a long time to become comfortable with the fact that he was the only member of the Fab Five unable to make it to the Nba. Now living in Austin, Texas Jackson is complicated with a not-for-profit that helps children, manages a keen company, and says he is happy with his life.

To look at the full spectrum that is the Fab Five is to analyze the lives of men that have been under intense scrutiny for decades. The stories of the Fab Five keen successes, failures, potential, scandal, and keen on are aspects that all readers can communicate to as being part of their own lives.

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Home For My Parents - Cost Options

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Home For My Parents - Cost Options

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What Do Apartments in Dallas Check For When They Run Your Application?

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Apartments in each state and, even in each city within the same state, have their own distinct qualification procedures when reviewing the application of a possible new renter. Take the state of Texas as an example. The largest metropolitan areas in this state with the highest attentiveness of apartment communities are Dallas, San Antonio and Houston. There are thousands of discrete apartment complexes in each of these cities. You would think they would have the same requirements for approval when running an Application for a new renter since they are all settled within the same state of Texas. However, Dallas has very unique requirements that are distinct from Houston and San Antonio as well as distinct from other cities and other states.

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How is What Do Apartments in Dallas Check For When They Run Your Application?

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Apartments in the celebrated city of Dallas check four (4) major areas in order to approve your Application: criminal background, income/job, rental history, and credit. It is the combination of these exact 4 areas that make Dallas requirements unique as a city, as well as how lenient or exact they are within each of the 4 areas.

For instance, In Houston, settled only 239 miles away from Dallas, there are some apartments that consider your debt and your debt to earnings ratios as well as group protection fraud history, when checking your Application. These are items that are never checked by Dallas apartments when they run your Application. Also, Dallas is more lenient than Houston when doing a criminal background check when it comes to fraud and financial crimes. Several apartments in Dallas will still work with you if you have a misdemeanor or felony in those categories, whereas in Houston these two areas are practically always causes for denial of your application.

As another example of how unique Dallas qualification requirements are, consider how Dallas differs from another major city, San Antonio. In the city of Dallas, apartments do not check how long you have worked at a particular job. The length of your employment history is not a consideration. As long as you Have employment and earnings that can be verified, most apartments will approve your application. In fact, you can have a brand new job, or even be transferring here to Dallas from another location, and all you need is a "Hire Letter" from the new worker showing your start date and your rate of pay. This is distinct from San Antonio. Most apartments in San Antonio want to see at least 6 months of employment history.

So, as you can see, Dallas has unique requirements that they check for when running an apartment application. Here are the exact requirements that Dallas apartments look for in more detail:

1. The first area that the best Apartments in Dallas check is your earnings qualifications. They practically always need that you earn three (3) times anything your rent whole is. Other cities and states may need that you earn 2.5 times, or even 3.5 times the rent amount, but practically all properties across the board in Dallas check to see that you earn 3 times minimum. For example, if your rent is 00, they want to see proof that you earn at least 00 a month. You can provide this proof of earnings in the form of paycheck stubs. If you are self employed, you can provide bank statements and the most new year's tax statements. If you are new thoughprovoking into the Dallas area and have been transferred from your job, or you are just beginning a brand new job, you can provide a letter from your employer on firm letterhead from the Hr group or the hiring manager. The letter should state that you are being relocated and what your earnings will be.

Many cities, such as Houston and San Antonio, check to see how long you have worked for a particular employer, and therefore will not accept a "New Hire Letter". Dallas does not do this. As long as you have the Hire Letter, you can be accepted with a brand new job. More than likely, however, the new apartments will call the firm and ask for verbal verification of the letter, and it must be signed by man with authority, such as the Hiring Manager. They may or may not ask for the letter to be notarized.

What kind of earnings will the Dallas apartments consider? In addition to earnings from a firm you own or from employment, you can also consist of funds that you receive as child support, disability, retirement, investments, etc. Any and all earnings that is legal and is provable will be considered.

What if you are retired and do not have income? Some areas would need you to move to a seclusion community or senior facility. But most apartments in Dallas are flexible in this regard. They will just need a copy of your bank statements to verify that you have enough funds to cover the cost of the rent for each month of the lease. For example, if your rent is 00 a month, and you sign a 12 month lease, they will check to see if you at least have ,000 in savings. They will also consider any group protection money that you receive as monthly income. And if all else fails, they will accept a co-signer. Because Dallas is flexible in working with retired individuals, many enjoy the relaxation and dignity of renting their own apartment without having to move into a seclusion home for seniors. Maybe this is one of the reasons that Money Magazine voted Dallas as one of the best places to retire in 2006 and 2007.

2. The second area that the best apartments in Dallas always check is your past rental history. They want to know if you have ever broken a lease or been evicted. They will check with the current apartments you are living in now, even if they are in another state, to verify that you are leaving on good terms. It may be tempting to try to "stretch the truth" and hide the fact that you owe past apartments money, but resist the urge. The reputation check that they pull on you will spin any debts that you owe to past properties. In Dallas, any past debts to properties that are still unpaid, even if they are many years ago, will mean an self-operating denial if it shows up on your credit. The employer does not have control over manufacture the final decision in this regard. This is because most apartments in Dallas are managed by large property management companies who make all the corporate decisions for their properties. They set the rules, and the rule is always to check for any property debts and automatically deny an application if such a debt appears. Other cities with a higher ration of confidentially owned small apartment communities, such as San Antonio or Houston, may be more flexible in this regard since they allege more control over who they accept or deny and the employer may be allowed to make the final ruling.

What can you do if you do owe a past apartment community and you are searching for an apartment in the Dallas area? Well, it all depends upon whether or not it shows up on your reputation report. If you aren't sure if it shows up on your credit, you might first pull your own free reputation record and look to see if it is there. Make sure to pull the reputation from all three reporting agencies since you aren't sure which one the apartments will use. If the incident is mentioned nowhere on your credit, then you may select not to bring up the past, especially if you have had good rental history Since that occurrence. If it does show up on your credit, then you will not get stylish at any apartment complicated in Dallas. Your only choice is to go back to that prior property that you owe funds to and pay them off. Be sure to receive a receipt or letter that shows your debt is paid in full so you can present this letter to the new Dallas apartments. Even with the receipt or letter, not every property in Dallas will work with you. A skilled Dallas Apartment Locator will be of great assistance in guiding you to the properties that are a slight more lenient in this regard.

3. The third area that the Dallas Best Apartments check is your credit. As we mentioned above, they are mainly finding to see if you owe any past apartments money. However, Dallas is unique because they also will check to see if you owe past utility bills, mainly the electric company. The calculate they check this is because you will not be able to turn on your electricity at the new apartment if you still owe the utility firm money. So you will have to pay off any debts to the electric firm prior to filling out the apartment application. In fact, some Dallas apartments even need you to call the power firm and program the date for them to turn on the electricity to your new apartment, and get a confirmation whole to prove it is scheduled, before they will give the final approval to your Application. Apartments in other cities are not as exact in this area as Dallas.

Another item they will look for on your credit, besides just past apartment debts and utility debts are housing debts. Maybe you use to own your own home, and now you are thoughprovoking into an apartment. The apartments will check to see your payment history with the mortgage firm and will look for property debts and foreclosures. If a foreclosure shows up, then they may not be able to work with you. It depends on how many years ago the incident happened. An Apartment Locator customary with Dallas apartments will be in the best position to help you.

4. The last area that apartments in Dallas always check is your criminal background. Although most cities and states run background checks on applicants, each city is distinct in how they react to the findings. Dallas apartments run a background check that goes back indefinitely. It will show any past misdemeanors or felonies that you have ever received in your whole life. It doesn't matter if the occurrence happened 30 years ago. It will still show up. Most apartments in Dallas automatically will decline your application if any felony shows up. However, they can be flexible in a few areas where other cities are not.

For example, if the felony or misdemeanor is for something that does not involve harm to another human and does not involve theft, practically 10% of the Dallas apartments will work with you. Some examples of misdemeanors or felonies that Some properties may be more flexible with are: check writing fraud, drinking while driving, proprietary of marijuana, etc. Other cities are not flexible enough to consider any exceptions and will deny an application for any crime, regardless of its nature.

If you have a non-violent glitch on your background criminal record, you need a noteworthy Apartment Locator in Dallas who has knowledge of second occasion properties to help you in finding the 10% who might work with your situation. If your particular offense is not one that any apartment property in Dallas will accept, then the Locator will let you know. In that case, your best bet is to find a confidentially owned house that is for rent by the owner. These can be found in the newspaper. Do not apply for a rent house that is represented by a Real Estate Agent, or they will have the same background check that the apartments have, and you will run into the same problem. Only rent houses that are for lease by the owner offer more flexibility.

As you can see, apartments in Dallas have very exact requirements when it comes to their qualifications for approval of your application. always reserve the assistance of a trustworthy and experienced Dallas apartment locator when searching for the best apartments Dallas has to offer. Not only will their free assistance save you countless hours of blind searching, but they will also make sure that you get the best apartment in Dallas for your particular situation. Visit www.BestApartmentsDfw.com today to get your free apartment quest assistance!

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Home For My Parents - Home Visit Approach

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Home For My Parents - Medical Paperwork

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Home For My Parents - Getting Started

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Home For My Parents - Knowing Cost and Conditions

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Home For My Parents - Reverse Mortgage Option

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Home For My Parents - Medicaid or Medicare

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

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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:

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

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

2. Cvs ranks second with market cap of .56 Billion, 7.1 Billion in earnings (.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 earnings (.1B from prescription revenues), operates 4714 drug shop as of February 2011 and has an S&P rating of B-.

Investors purchase properties occupied by these drugstore chains for the following reasons:

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

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

· habitancy are living longer and need more treatment to support longevity, e.g. Actonel for osteoporosis, Aricept for Alzheimer's symptoms. Older habitancy 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 starting from 2008, the drugstore chains anticipate the ask for treatment to growth in next 20 years.

· The drug market continues to improve as the Us habitancy continues to grow. More and more Americans suffer from various diseases. The amount of Americans suffers from seasonal allergies doubled in the last 15 years to 37 million habitancy per Fortune magazine. They spent .4 Billion in 2009 for allergy drugs. As their waist lines balloon (75% of Americans are forecasted to be either 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 various diseases sooner than later due to great insight 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 become Aids. More doctors consolidate insulin with oral medicines to treat type-2 Diabetes instead of just oral medicines alone. All these factors growth the size of the drug market.

· improve in genetic engineering has introduced various new genetic Dna testing kits which allow the genetic prognosis of vulnerabilities to inherited diseases and disorders. Genetic testing is currently the top growth segment in the diagnostics industry. Some of these genetic tests will probably transform into direct-to-consumer testing kits ready in drug shop in the near future.Upon Fda approval, these new products will potentially bring in additional earnings for drug stores.

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

· The duct of condition 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 provide of Avastin costs about ,000. Eli Lilly has sold about .8 billion of Zyprexa in 2007 for schizophrenia and yet most habitancy have never heard of this medicine.

· There are existing drugs now beloved to treat new illnesses and thus growth their sales revenue. For example, Lyrica was originally intended to treat pain caused by nerve damagein habitancy 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 incredible to produce a new class of drugs to treat diabetes, Parkinson's and various 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 moderately broaden its drugs to a blockbuster drug to more base disorders caused by similar genetics.

· Technology and modern life introduce and need new products, e.g. Reproduction 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, experience lenses, lenses cleaners, diet pills, vitamins, birth-control pills, Iuds, food 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 shop hope you use the one-hour photos services there. The shop 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 figure for Walgreens is 34% and 37% for Rite Aid. Many pharmacy locations are in succeed convenience shop especially ones that are in residential or rural areas. And so Walgreens hopes that customers also pick up Wd-40, and screwdrivers at its shop instead of at Home Depot; Thai Jasmine rice, and fish sauce to avoid a trip to Safeway or Kroger Supermarkets. during the recession, sales of these non-drug items are down as customers buy what they need and not what they want. Walgreens tries to sell out the amount of items by 4000. It also introduces its own inexpressive label which has higher behalf margins.

· There are more and more generic medications on the market as a amount 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 habitancy 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 finally expired and thrown away.

3. These companies sign very long-term Nnn leases, guaranteed by their corporate assets. This makes the speculation in the basic 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 at once 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 shop are ended due to weak sales (Walgreens ended 119 shop in 2007), these companies may sublease the properties to other companies, e.g. improve Auto Parts and continue to pay rents on the master leases.

· A typical Walgreens lease consists of 20-25 year former term plus 8-10 five-year options. during former 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 former term plus 4-5 five-year options. The rent is normally flat during the former term and then there is a 2.5%-10% rent growth in each 5-year option.

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

Investment Risks

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

1) The main downside about investing in pharmacies is there is minute 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 request for retrial 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 shop 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 sell 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 amount 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 minute 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 shop with other prescriptions where it has higher behalf margins. In an unscientific eye with just one brand-name prescription of Lyrica, this author finds the bottom price at Costco, the top 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 minute as /week. Cvs says it will match any offers from its competitors.

3) Chief company Correspondent Rick Newman from Us World & News description incredible that Rite Aid might not survive in 2009. Rite Aid is still around 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 earnings 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 shop or Walmart to conveniently drop off the prescriptions and pick up medicines. Customers will not be able to pick up their prescriptions during lunch hour or after 7Pm at Target shop 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 earnings 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 sell company to some degree is controlled by the Pharmacy Benefits Managers (Pbms). Customers normally get prescription coverage from their condition guarnatee companies, e.g. Blue Cross. These Pbm carry on prescription benefits on behalf of the guarnatee companies. In 2012 Walgreens lost a covenant valued at over Billion with Express Scripts, a major Pbm. Walgreen earnings 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 sell company via mail orders which do not need leasing costly sell spaces. The prescription mail orders currently capture over 20% market share of the total prescription revenue. Should customers change their prescription purchase 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 settled in small town where there is low barrier for entry, i.e. Lots of vacant & developable land.

8) The tenant may ask for rent concession to heighten its bottom line during tough times. The possibility is higher if the tenant is Rite Aid and if the store has low sales earnings and/or higher than market rent.

9) More Americans are walking away from their prescriptions, especially the most costly brand-name medicines. This may have negative impact on the sales earnings and profits of drug shop and consequently may cause drug store closures. According to Wolters Kluwer Pharma Solution, a health-care data company, nearly 1 in 10 new prescriptions for brand-name drugs were abandoned by habitancy with industrial condition plans in 2010. This is up 88% compared to 4 years ago just before the retreat 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 general have the best locations-at major intersections while Rite Aid has less than premium locations. Walgreens tends to hire only the top graduates from pharmacy schools while Rite Aid settles with bottom 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 shop are only 5-10 years old. This is the best managed company among the three drugstore chains and also among the most admired public companies 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 premium irreplaceable locations, properties with leases from Walgreens get the top price per square foot and/or the bottom 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 relinquishment age. They are seeing for a safe speculation where it's more leading 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 shop in 2008 and 2009 and thus you see many new Walgreens shop for sale. It will slow down this expansion in 2010 and beyond and focus on reparation of existing shop 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 shop in the Us, mostly 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 shop 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 shop 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 safety 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 public in 1968. By the time Alex Grassstepped down as the company's chairman and chief administrative officer in 1995, Rite Aid was the nation's largest drugstore chain in terms of total shop and No. 2 in terms of revenue. His son, Martin Grass, took over but was ousted in 1999 for overstatement of Rite Aid's earnings 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. earnings from some of these shop went down as much as 20% after they change the sign to Rite Aid. In 2009, Rite-Aid had over 4900 shop and over Billion in revenues. The figures went down in 2010 to 4780 shop 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 reputation risk. Rite Aid contacted a amount of its landlords in 2009 trying to get rent concession to heighten the bottom line. In June 2009, Rite Aid successfully completed refinancing .9 Billion of its debts. In 2012, Rite Aid benefits from Walgreens covenant problem 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 reconsider when invested in a pharmacy

If you are curious 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 carport or growing areas, the degree of safety is the same either 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 valuable 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 covering of California may offer up to 9% cap rate in 2012. However, among the 3 drug chains, Rite Aid has 10.5% opening of going under in 2010. Should it articulate bankruptcy, Rite Aid has the choice to pick and pick which locations to keep open and which locations to quit the lease. To minimize the risk that the store is shuttered, pick a location with strong sales and low rent to earnings ratio.

3. Financing should be an leading 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 reconsider a Cvs pharmacy. It has Bbb+ S&P reputation 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 bottom line of the store.

5. All 3 drugstore chains have similar requirements. They all want highly visible, standalone, rectangular property around 10,000 - 14,500 Sf on a 1.5 - 2 acre lot, preferably at a projection with about 75 - 80 parking spaces in a growing and high traffic location. They all need 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 opening that these drugstores may not want to renew the lease unless the property is settled in a densely-populated area with no vacant land nearby. In addition, if you regain a property that does not meet the new requirements, for example a drive-through, you may have a problem 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 earnings exceeds a clear figure, e.g. M. However, the earnings 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 earnings could account for as much as 70% of store's gross revenue. As a result, this author has seen only 2 shop in which the landlord is able to regain 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 square foot a year. In addition, you also want to check the rent to earnings ratio. If the figure is in the 2-4% range, the store is likely to be very profitable so the opening 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, earnings 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 barrier to entry in a small town. These properties are easy to buy now and hard to sell later. When the reputation market is tight, you may have problems seeing 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 challenging 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 shop they occupy for some reasons. Here are just a consolidate of them:

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

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

11. About 10% of the drugstore properties for sale and typically Cvs pharmacies need very small amount of equity to acquire, e.g. 10% of the purchase 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 challenging in the 5.5% to 6% range. Hence, the investor pays off the loan in 10 to 20 years. However, you have no clear cash flow. This requires you to come up with covering cash to pay earnings tax on the rental profits (the inequity in the middle of the rent and mortgage interest). The longer you own the property, the more covering cash you will need to pay earnings 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 mountainous losses from other speculation properties. By acquiring this zero cash flow property, they may offset the earnings 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 dutible profits are only ,000.

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

Out of the Box Thinking

If you put too much weight on the S&P rating of the tenants, you may end up either 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 ended down later on (yes, Walgreens ended 119 shop 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 adequate to close a profitable location. It does not take rocket science to understand that a financially-weak company like Rite Aid will make every endeavor 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 decree if a drug store location is profitable or not if the tenant is not required to disclose its behalf & loss statement? The rejoinder is you cannot. However, you can make an educated guess based on the store's each year gross earnings which is often reported to the landlord as required by the division clause in the lease. With the gross revenue, you can decree the rent to earnings 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 earnings is M then the rent to earnings 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 earnings 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 earnings 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 weakness of corporate guaranty from Rite Aid is probably not as valuable and the risk of having Rite Aid as a tenant is not unmistakably that significant.
Drug shop with new 25 years leases tend to sell at lower cap, e.g. 6-7% cap on new shop 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 shop with 2-3 years left on the leases. The fact that drugstores with new leases have a premium 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 reconsider investing in drug shop with 5-10 years left on the lease. They might naturally ignore the fact that the established shop may be at irreplaceable locations with very strong sales. Tenants naturally have no other choices other than renewing the lease.

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