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Business Life Insurance 18 – Understanding the Statement of Retained Earnings and Cash Flow

Beside understand what is business insurance and business life insurance are important that people own a business understand , so they can protect their business in case of any unforeseen event happened causing hardship to the business owner and their family such as business store burned down one day, if you don’t carry insurance, you would endured some hard times after that. Understand operations of the company also equally important for a successful business. In this article ,we will try to discuss what is the statement of retain earning? and cash flow of the company.

Statement of retain earning is the accumulated of that portion of the shareholders equity derived from a profitable operation since the corporation stared it business.

I.There are two ways to express a Statement of Retained Earnings.

1. Retained earnings (end of year)= retained earnings (beginning of the year)+income for the year- dividends

2. Year end retained earnings= income (for the year)-dividends+ earnings retained (during the year)+ previous year balance

Total accumulated retained earnings does not normally reflect a cash position, but reflects the value of equipment, machinery or inventory and other assets. Instead of paying out all revenue each year as received in salaries or bonuses, a portion is retained to replace equipment and inventory and to finance expansion.

II.Cash Flow
Cash Flow is best expressed and understood in terms of inflow and outflow of cash.

1. Inflow

Inflow is the amount of cash that the company earned, such as additional sales, new investments and new borrowing.

2. Outflow

outflow is the cash that the company has expended in a period of time and it can be controlled by the timing of payments, replacing of equipment or postponing hiring and expansions.

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How To Keep Fit In A Busy Life

Rome wasn’t built in a day and neither will be your healthy body. Keeping yourself trim and toned takes a certain amount of work and dedication. However, when a busy lifestyle takes too many hours out of your day, you have to use wise and tactical planning to get the body you want. Never say no to making yourself the best you can be, but rather apply some guerrilla warfare to your diet and exercise program for the slim and sleek you that’s waiting to break free.

Home Aerobics Workouts

You do not need a costly gym membership to tighten and tone your muscles and you should never rely on an aerobics class to kick start your heart. Take initiative and get the job done at home in small increments of fifteen to thirty minutes at a time. The body responds to short workouts just as well as taking a two hour session at the gym, so get to work and whack the fat. Aerobics can be done in your living room or backyard to achieve the same or greater results you would get from a class. Put on your favorite music to sweat and burn the fat and the time will pass like lightning. If you need some structure and order, there are plenty of home aerobics DVDs that will help you stay motivated and committed.

Home Muscle Pumping

The market is flooded with quality and low cost home gym equipment to sculpt an entire body or target a specific muscle group. Check online for the best bargain deals and invest into yourself with a few pieces of home gym equipment. From simple dumbbells to door suspended total body workouts, you can find the right equipment to meet and exceed your fitness goals for a fraction of the cost of joining a gym. Taking you own initiative is one giant step forward on how to keep fit in a busy life.

Timing and Scheduling

Some people can’t shake the sorry excuse that they do not have time to exercise and improve their well being. For the most part, this is a false assumption used to excuse lethargic behavior. We all have the same amount of hours in the day, with the difference between a fit person and a sluggish one being how we use our time. If you have a television in your home, be honest about how many hours you plunk yourself down in front of it. Time better spent is to invest into yourself for a healthy body that will not only add years to your life, but will add life to your years.

Watch Your Diet

Food in itself does not make us fat; fat makes us fat and therefore should be restricted from a healthy diet. To increase your energy level and gain a sense of fullness and satisfaction, be sure to load up on fresh fruits and vegetable either by eating them off your plate or tossing them into a juicer. Small diet modifications, such as switching to brown rice instead of white rice will add carbs to your diet for powering up without bloating your stomach and filling you out. Instead of butter on your whole grain toast, try a tasty sugar-free jam or add a dash of natural honey. Every bite we consume matters, so be sure to make a good judgment call for every meal of the day. If you slip now and again with a sweet treat, just get back on the discipline before the sugar binge becomes a habit.

You are special to yourself and a whole lot of people around you, so it makes good sense to look after your health and appearance. If you take care of your body, it will take care of you and allow you to do everything in life that you always wanted to try. From weekend sports to Saturday night dance halls, a slimmer, trimmer you is the way it ought to be.

Making Healthy Food Choices in Your Busy Life!

As you know – I have been on a health kick…so today I’ve got some tips for making healthy food chioces to help you on your road to a better life!

You’ll be pleased to discover that a hectic life doesn’t mean that every meal has to be fast food on the run! Sometimes it’s difficult to make healthy changes, but with a little planning and know-how, it can be done.

You already know how important it is to make healthy food choices for you and your family. But how can you fit the best choices into your busy life?

Here are some strategies to help you and your family make healthy choices:

1. Make dinner time a social experience.

Dinner should be about enjoying your company and taking pleasure in the foods you’re eating.

Dinner becomes a great experience when you’re able to enjoy healthy foods together. Take time to eat as a family and enjoy a real conversation with each other. Talking will naturally slow down your eating pace, while also reconnecting you with your family members.

When you begin to look at mealtime as a social experience, it becomes easier to make the right choices about healthy foods. Suddenly you aren’t so worried about rushing through and making it quick.

2. Avoid temptation.

It’s so easy to walk into the store with good intent, but walk out with bags full of unhealthy foods. Unfortunately, our wills are weak, especially if we’ve trained ourselves over the years to buy junk foods.

* Think of healthier alternatives to your family’s favorite unhealthy foods. Rather than high calorie chips, try trail mixes or rice cakes. Low calorie puddings or frozen yogurts are better alternatives to higher fat ice creams.

* Never shop when you’re hungry. This way you won’t pick out unhealthy choices because they look good at the moment.

* Get rid of the unhealthy foods in your home. If they aren’t around, you won’t be tempted to eat them.

3. Eat fast and healthy meals at home.

When you’re tired at the end of the day and you realize you still have to feed the family, it’s easy to go to a fast food chain and throw fast food on the table. It may save some time, but it won’t save your health – or your pocket book!

* Look online for quick and easy recipes made with all natural ingredients. Many recipes can be made in 30 minutes or less and only have 5 ingredients. Taking the time to do some recipe research will save your sanity in the long run. Then once you find a “hit” with the family, store the recipe in a book or on your computer.

* The great thing is that there are many easy, fast, and healthy foods you can make at home. This takes some planning, but you’ll be more satisfied, save money, and be healthier as well.

* When you cook, make large batches and freeze the leftovers. This way, you’ll already have meals in the freezer that you can just thaw, heat, and serve. No mess, no fuss! This is the opportune way to enjoy “fast” food at home.

4. Eat Slower.

Since the brain takes about 20 minutes to get the signal that the stomach is full, if you eat too fast you’ll pack in a lot more food than you need. When you’re still thinking you’re hungry, it’s easy to make the wrong choices about food. If you slow down while you’re eating, you’ll eat less and you’ll still feel full.

* Set a calming mood before sitting down for a meal. Avoid having the television on or eating as you’re rushing the kids out the door to another activity. Sitting calmly at the table will allow everyone to relax and enjoy their meal.

Using these techniques will bring all kinds of healthy benefits to your family and teach your children a healthy lifestyle. Healthy food choices are a possibility in your busy life if you take the time to plan ahead and make dinner time a priority in your home.