In many countries today, healthcare industry employment continues even while other industries falter, making a health service job a good choice for anyone considering a new career.Pharmacy technician jobs are one of the main positions seeing drastic increases with hiring expected to increase as much as 25 percent over the next few years. This is a great opportunity for anyone with good attention to detail to consider a career as a Pharmacy Technician or `PT`, especially since it is possible to complete certification programs at reputable pharmacy technician schools in as little as two years and get into a well-paying job soon afterward.Different Types of Pharmacy Technician SchoolsIn the US and Canada, some PT jobs do not require any certification or schooling although most do. Those who have schooling and certification are definitely preferable for positions, however, making schooling something that anyone looking at a career as a PT should consider very seriously.In all likelihood, more jobs will move toward requiring certification as well, so skipping the education may reduce job hire and advancement opportunity.Pharmacy Technician education is available in programs that last anywhere from 6 months to two years or more, depending on the depth of training.Like many other medical training and technical programs, the shorter programs give a basic, fundamental overview of what to expect on the job and general education relating to basic pharmacology, pharmacology law, pharmacology records, inventory, labeling, ordering and many other relevant topics to working in a retail pharmacy environment.Courses and diploma programsStudents that attend the shorter programs usually earn a Pharmacy Technician Certificate for completion of the program, but have no actual approved certifications.Longer courses offered by schools include specialized diploma programs and Associates Degree courses that last between about 12 months to 24 months.Diploma programs are great for students who already have some healthcare service experience and want to move into a position as a PT, as well as those entering the field new.Study usually includes all that is mentioned above, plus pharmacology in more detail, dosage calculation, mixing medications and others, and usually includes an externship to prepare students to take the certification exam. Students completing a diploma course and passing their certification exam will earn the title of Certified Pharmacy Technician or CPhT.Associates in Health Sciences with a PT specialty takes two years and is recommended for any individual if there is an interest in both obtaining a college degree, and being able to advance the fastest in their career.Courses of study are much more in depth and include additional medical subjects. Externships are a required part of the curriculum, as is passing the certification examination. Those with their CPhT and an AS degree stand the best chance of being hired in non-retail pharmacy technician positions, and starting at the highest salaries.Accredited vocational programIn the UK and many other countries a pharmacy technician is required to complete both an accredited vocational program in pharmacy services and a pharmaceutical science program, and must be registered with numerous UK healthcare organizations.Courses of study include that which is mentioned above, as well as medicines management for patients and training in running and assisting in hospital clinics and more.Please note however, in the UK there is a difference between a pharmacy technician and a pharmacy dispenser, with the former having more vocational and educational requirements.Interested individuals are advised to contact local professional organizations in order to get additional details about attending school to become a PT such as which are the best courses and whether they offer job placement and financial aid.In the US, contact the American Association of Pharmacy Technicians (AAPA) or the Pharmacy Technician Certification Board (PTCB), in the UK contact the General Pharmaceutical Council (GPC) and in Canada the Canadian Association of Pharmacy Technicians (CAPT) to name a few.Employment After Attending PT SchoolsThere are actually many more employment opportunities for PTs than most people assume. While the majority of jobs are in retail pharmacy positions there are much more specialized career options for pharmacy techs with the right training.Hospitals, medication manufacturing and packing companies, medication compounding pharmacies, nursing homes, psychiatric facilities and any type of medical facility that either fills medication prescriptions or dispenses medications directly to patients make use of pharmacy technicians.These positions can be very rewarding, and tend to pay more as well. Certain qualified technicians also have the ability to counsel consumers and patients on the use of their medications, as well as answer medication questions.In any case, attending schools that offer the most detailed training and externships, and prepare students to become Certified Pharmacy Technicians are highly recommended for anyone interested in a career in healthcare services that pays well and offers plenty of room for advancement.
Business Loans In Canada: Financing Solutions Via Alternative Finance & Traditional Funding
Business loans and finance for a business just may have gotten good again? The pursuit of credit and funding of cash flow solutions for your business often seems like an eternal challenge, even in the best of times, let alone any industry or economic crisis. Let’s dig in.
Since the 2008 financial crisis there’s been a lot of change in finance options from lenders for corporate loans. Canadian business owners and financial managers have excess from everything from peer-to-peer company loans, varied alternative finance solutions, as well of course as the traditional financing offered by Canadian chartered banks.
Those online business loans referenced above are popular and arose out of the merchant cash advance programs in the United States. Loans are based on a percentage of your annual sales, typically in the 15-20% range. The loans are certainly expensive but are viewed as easy to obtain by many small businesses, including retailers who sell on a cash or credit card basis.
Depending on your firm’s circumstances and your ability to truly understand the different choices available to firms searching for SME COMMERCIAL FINANCE options. Those small to medium sized companies ( the definition of ‘ small business ‘ certainly varies as to what is small – often defined as businesses with less than 500 employees! )
How then do we create our road map for external financing techniques and solutions? A simpler way to look at it is to categorize these different financing options under:
Debt / Loans
Asset Based Financing
Alternative Hybrid type solutions
Many top experts maintain that the alternative financing solutions currently available to your firm, in fact are on par with Canadian chartered bank financing when it comes to a full spectrum of funding. The alternative lender is typically a private commercial finance company with a niche in one of the various asset finance areas
If there is one significant trend that’s ‘ sticking ‘it’s Asset Based Finance. The ability of firms to obtain funding via assets such as accounts receivable, inventory and fixed assets with no major emphasis on balance sheet structure and profits and cash flow ( those three elements drive bank financing approval in no small measure ) is the key to success in ABL ( Asset Based Lending ).
Factoring, aka ‘ Receivable Finance ‘ is the other huge driver in trade finance in Canada. In some cases, it’s the only way for firms to be able to sell and finance clients in other geographies/countries.
The rise of ‘ online finance ‘ also can’t be diminished. Whether it’s accessing ‘ crowdfunding’ or sourcing working capital term loans, the technological pace continues at what seems a feverish pace. One only has to read a business daily such as the Globe & Mail or Financial Post to understand the challenge of small business accessing business capital.
Business owners/financial mgrs often find their company at a ‘ turning point ‘ in their history – that time when financing is needed or opportunities and risks can’t be taken. While putting or getting new equity in the business is often impossible, the reality is that the majority of businesses with SME commercial finance needs aren’t, shall we say, ‘ suited’ to this type of funding and capital raising. Business loan interest rates vary with non-traditional financing but offer more flexibility and ease of access to capital.
We’re also the first to remind clients that they should not forget govt solutions in business capital. Two of the best programs are the GovernmentSmall Business Loan Canada (maximum availability = $ 1,000,000.00) as well as the SR&ED program which allows business owners to recapture R&D capital costs. Sred credits can also be financed once they are filed.
Those latter two finance alternatives are often very well suited to business start up loans. We should not forget that asset finance, often called ‘ ABL ‘ by those Bay Street guys, can even be used as a loan to buy a business.
If you’re looking to get the right balance of liquidity and risk coupled with the flexibility to grow your business seek out and speak to a trusted, credible and experienced Canadian business financing advisor with a track record of business finance success who can assist you with your funding needs.
Payday Loan – Its Benefits and Comparison With a Personal Loan
Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.