Walgreens and Express Scripts Big Dispute

This is a Sponsored post written by me on behalf of Walgreens for SocialSpark. All opinions are 100% mine.

Walgreens and Express Scripts have been negotiating for a new contract and sad to say, it was unsuccessful. Express Scripts is a pharmaceutical provider network  for Walgreens and the latter's contract expired last December 31, 2011. As a result of the unsuccessful negotiation, Express Scripts has dropped Walgreens from its pharmacy network list.

The company said that  this decision would not have any effect for the patients but, in all reality it really does! Because of this dispute, the health plan of the patients are greatly affected including the clients of Tricare which is the health and prescription drug program for the  men and women in uniform. Most of the clients are searching for an alternative network for their pharmacy benefits. Other pharmacies do not have the convenient hours offered by Walgreens so; patients will definitely experience the inconvenience. Check out the press release here:  Dispute.

Some of the holder of  Prescription Savings Club at Walgreens under the Express Scripts plan will be forced to find another pharmacy. Walgreens Pharmacy wanted to accommodate all of them but now, they are forced to leave Walgreens system to use the coverage stated in their contract. Walgreens wanted to offer lower price of prescriptions and the convenience but, Express Scripts rejected the proposal. I am dismayed with this facts! How about you? You can express your thoughts thru Walgreens on Twitter and Walgreens on Facebook. If you are a customer of Walgreens, share your thoughts now.

As Time Goes By

As time marches on over the last hundred years we have seen many changes in our environment and daily living.

I recently got an e-mail from a family member pointing out how much different the world was in 1910. It is really amazing how far we've come in the last hundred years.

For example let us take the year of 1910. The average life expectancy for men was 47 years ago. The popular car in this day was the Ford model R. the fuel for this car was sold at the drugstore. Very few homes had a bathtub only about 14%. The maximum speed limit in most towns was 10 mi./h. Only about 8% of the homes had a telephone.

There was also a great difference when you were shopping in the supermarket. The cost of sugar was four cents a pound, coffee $.15 a pound, eggs $.14 a dozen.

Here's a real eye-opener marijuana, heroin, and morphine were all available over-the-counter at the local drugstore. In 1910 these drugs were not considered harmful.

The population of Las Vegas was 30. Ten out of every adults could not read or write and only 6% of Americans had graduated from high school. There was also no Mother or Father's Day. Canned beer and Ice-T had not been invented yet. The last amazing statistic there was only 230 murders in the entire United States. As the saying goes we've come a long way baby can you imagine what the next hundred years may bring.

The Deed Of Trust

If you are planning to purchase a home in the near future there are some terms that you should be familiar with.

Deed of Trust this is just another name for a mortgage this document is used in some states in place of a mortgage.

When purchasing a home after all the paper work is complete you will go to what is called the closing. There you will be confronted with a ton of paperwork so
you should know some of the terms and what they mean in the paper that you will be signing.

One of the documents will be titled the deed of trust. This document will give you vital information on the mortgage your about to sign. It will state the loan amount, who the lender is, who the borrower is, a when your loan is due, the trustors and trustees, states loan is secured by the property and last a description of the property. So when entering any real estate deals be sure to consult a reputable real estate agent or even a real estate attorney will give you peace of mind.

The Note

If you are planning to purchase a home in the near future you should be familiar with some of the paperwork you will be signing.

Let us start with the Note what is a Note? This is simply just a basic contract between the the person borrowing the money and the lender. It will contain the basic terms and conditions of your loan.

What does a Note consist of? Number one it will have your rate. It have all of your prepayment terms. Payment amount of principal and interest. Your taxes and insurance will not be included in this. It will inform you on what day of the month your payment is due and if you are late what the penalties will be. It will also inform you the amount of your loan.

It is important that you know if you feel that after signing the loan documents you did not understand it or later on have any objections you to have the right to cancel. You will have three days to cancel your loan. The three days are excluding Sundays and Federal holidays. So good luck in the future closing of your new home and always remember to use a reputable real estate agent as they can advise you on your closing.

Tebow Strikes Again

I really enjoyed watching the NFL wildcard playoffs this weekend especially since my team the New Orleans Saints have advanced and are headed to California. Congratulations also to the New York Giants for their win on Saturday.

But I think the best game of the weekend was the Denver Broncos facing the Pittsburgh Steelers. As they battled back and forth at the end of the game they were tied and would have to go into overtime. The Denver Broncos won the toss and elected to receive the ball. I cannot believe what I saw next. On the first play of overtime Tim Tebow threw 80 yard touchdown pass to Demaryius Thomas which ended the game and the Denver Broncos were victorious.

I have to give a lot of credit Ben Roethlisberger for continuing to play with a bad ankle as I know he must have been in pain. I cannot imagine the pressure that Tebow must've been under before the game as he has been criticized by so many people. It was even rumored that he might be replaced in the second half if he did not perform well. I hope this will put some of the vicious rumors about him to rest. It is very easy for these critics to run their mouths let us see what they have to say now that Tebow has shut it for them. I noticed after the game Tebow did kneel down and said a short prayer good for him this is a man that sticks to his beliefs. So again congratulations to the New Orleans Saints, New York Giants, and the Denver Broncos for moving up in the playoffs good luck.

Real Estate Agents

While driving through the community you may see signs on some property for sale by owner. You may be asking yourself when buying or selling property do I really need a real estate agent?

My answer to this question would be never entered into a real estate deal without a reputable real estate agent. Number one most agents are familiar with the surrounding area and know the pitfalls of different neighborhoods. A good real estate agent can advise you on what the surrounding properties are worth this is very helpful when purchasing a property as it will prevent you from paying too much. And agent has access to many different types of properties that you might be interested in and can go with you for a physical tour. Once you have selected a property they will do the necessary paperwork and submitted to the buyer. Most agents are knowledgeable on the process of buying foreclosures and short sales and can advise you accordingly. Another advantage would be if you don't have your own home inspector they can generally recommend a a reputable one. You should never purchase a home without your own home inspector he working for you and can point out any major defects in the property this could save you a lot of money. So if you're looking to sell or purchase property contact a reputable real estate agent in your area to help you this will take a lot of stress and aggravation out of your life.

Your Home Is Your Castle

Your home is your castle and you do have a right to protect yourself when in it. There is a law in the United States referred to as the castle law.

This law simply means that if you come under attack in your own home you do have the right to protect yourself. An example of this was on New Year's Eve in the state of Oklahoma a young mom called 911 for help as two men were trying to break into her home.

First let me say my heart goes out to this woman as she had lost her husband to cancer on Christmas Eve two men attempted to break into her home on New Year's Eve where she was alone with her three-month-old baby. She called 911 and asked for help. She did inform them she was sitting there with two guns in her hand. She asked if she could shoot these people if they came into her house she was informed by the operator do what you have to do to protect your baby. As the burglary proceeded they entered her home where she promptly shot one dead the other fled but was later captured by police.

The question being asked now is can she be legally responsible for killing the intruder? Under the castle law in Oklahoma she had a perfect right to defend herself and her family no charges will be filed. Many states have this law. In most cases anyway if someone breaks into your home you to have the right to defend it. The castle law states that you to have the right to use deadly force if an unauthorized person is trying to gain entry into your home. Home invaders be aware you may be at the end of a smoking shotgun on your next job.

The Witnesses

For many types of legal documents a witnesses is required. Some people will tell you that this is really not necessary but they are wrong.

If you are signing any kind of legal document and at the bottom of the page there is a space for a witnesses make sure you have a reliable one. For example in many states such documents as a last will and testament, real estate deeds and leases of more than one year will require a witness. Many documents will require at least two witnesses. This is really to protect you and make the document legal validity. Having a witness to sign the document can be helpful if you would have to go to court in case the parties involved deny that they signed a document. So when entering any kind of legal agreement be sure to take the time to find a reliable witness.

Rental Property Inspections

Before you commit yourself to a rental contract in an apartment or condo or a single-family home you should do a property inspection with the landlord.

By doing a property inspection this will protect you against any false claims when your lease is up and you move out. One of the big issues between the landlord and tenant is the condition of the property before and after the tenancy. By doing a room by room inspection you will have a more accurate record of what condition the property is in before you moved in. Taking photos of the property will also be a important factor in case you are falsely accused of damaging the property and would have to go to court. This will definitely give you an accurate record of the condition of the property. So take the time to make a room to room inspection and documented it. You will sign it and have your landlord sign it this will save you a lot of stress and keep you from any responsibilities of damage that you did not do.

Legal Agreement

Most people do not realize if they do not have a legal agreement defining family living arrangements if a problem comes up you are actually putting your fate in the hands of an outside party such as the courts.

It is in your best interest whether you are living together married or have a child on your own your legal rights can be easily decided by you in advance with just a little prior planning. To ensure that your desires and wishes are met you should come to an agreement with your partner and put it in writing. This will protect you if a dispute arises and you will be able to avoid going to court over it. There are some do-it-yourself forms that you can buy to draw up a legal agreement but the best course to take would be to see an attorney this is a simple document and should not cost very much.