dfajansnd.info

You see the news reports every day. You see the numerous infomercials on the exciting and rewarding career as a pharmacy technician. This career choice is in high demand. Yes you may go to your local drug store, fill out an application, and become a pharmacy tech in no time. Wrong!!! That is the easy way and it’s the less rewarding way to become a pharmacy technician. If you want to go from a pharmacy technician with no credibility to a great pharmacy tech where employers are knocking down your door, you need to follow these steps to achieve the much needed success you desire and deserve.We live in an era where litigation cases have doubled. If you want to protect yourself from these money hungry henchmen, you must educate yourself and stay current on every aspect of your career field. Becoming a pharmacy tech has many benefits, but it also comes with a boat load of responsibility. Over the years, I have seen many organizations formed to protect the consumers and patients from the careless behavior of many health care workers. In order to protect you and get the much needed credibility that you deserve, many states are requiring that an exam is passed to work behind the counter of a pharmacy. So starting off, step number one in becoming a great pharmacy technician is passing the National Pharmacy Technician Certification Exam.Passing the pharmacy technician certification exam places you in an elite group of individuals. You may now practice in states that previously wouldn’t even allow you to apply. This exam goes in depth about many areas of pharmacy. Passing the exam lets employers know that you are competent. There are many areas of pharmacy that you may venture into, but the actual exam covers topics from every area possible. Whether you are going to practice in a retail setting or go for the higher wage and practice in an institutional setting, the exam will cover topics in both areas. If you want to go from good to great, try getting some hands on experience.Passing the certification exam is a start, but I would go a step further and get some type of formal training. Passing an exam gives you the mental knowledge, but getting hands on training puts you in the line of fire. You get to “get your hands dirty” so to speak. I attended a junior college and completed my pharmacy technician training. I received a technical diploma for all my hard work and dedication. Not only did I receive my technical diploma, I got the best hands on training in the form of an externship. There are many training facilities that are forming. When making your decision, only consider schools that are accredited and recognized by the different pharmacy organizations. So you have your certification out the way, you took your formal training at an accredited school for pharmacy, now for the final piece of the puzzle.The final piece of the puzzle is staying up to date on your CE requirements. CE requirements or also known as continuing education credits are credits that Certified Pharmacy Technicians must complete in a timely manner in order to stay in good standing or remain Certified. These CE credits can take the form of online quizzes given by accredited organizations, or it can even be lectures and seminars that are given all across the country. Although these requirements can be completed in a short amount of time, they are normally packed with enormous amounts of information that will be beneficial to the pharmacy tech.So there you have it. Some basic steps to take that can have a huge impact on your career as a pharmacy technician. Don’t be your average pharmacy technician. Go above and beyond on what the everyday pharmacy technician does to get a paycheck. Stand out from the crowd and be different. Take the simple steps to advance your career. Doing this will allow you to reap huge rewards in the near future.

There are several potential financing options available to cash-strapped businesses that need a healthy dose of working capital. A bank loan or line of credit is often the first option that owners think of – and for businesses that qualify, this may be the best option.

In today’s uncertain business, economic and regulatory environment, qualifying for a bank loan can be difficult – especially for start-up companies and those that have experienced any type of financial difficulty. Sometimes, owners of businesses that don’t qualify for a bank loan decide that seeking venture capital or bringing on equity investors are other viable options.

But are they really? While there are some potential benefits to bringing venture capital and so-called “angel” investors into your business, there are drawbacks as well. Unfortunately, owners sometimes don’t think about these drawbacks until the ink has dried on a contract with a venture capitalist or angel investor – and it’s too late to back out of the deal.

Different Types of Financing

One problem with bringing in equity investors to help provide a working capital boost is that working capital and equity are really two different types of financing.

Working capital – or the money that is used to pay business expenses incurred during the time lag until cash from sales (or accounts receivable) is collected – is short-term in nature, so it should be financed via a short-term financing tool. Equity, however, should generally be used to finance rapid growth, business expansion, acquisitions or the purchase of long-term assets, which are defined as assets that are repaid over more than one 12-month business cycle.

But the biggest drawback to bringing equity investors into your business is a potential loss of control. When you sell equity (or shares) in your business to venture capitalists or angels, you are giving up a percentage of ownership in your business, and you may be doing so at an inopportune time. With this dilution of ownership most often comes a loss of control over some or all of the most important business decisions that must be made.

Sometimes, owners are enticed to sell equity by the fact that there is little (if any) out-of-pocket expense. Unlike debt financing, you don’t usually pay interest with equity financing. The equity investor gains its return via the ownership stake gained in your business. But the long-term “cost” of selling equity is always much higher than the short-term cost of debt, in terms of both actual cash cost as well as soft costs like the loss of control and stewardship of your company and the potential future value of the ownership shares that are sold.

Alternative Financing Solutions

But what if your business needs working capital and you don’t qualify for a bank loan or line of credit? Alternative financing solutions are often appropriate for injecting working capital into businesses in this situation. Three of the most common types of alternative financing used by such businesses are:

1. Full-Service Factoring – Businesses sell outstanding accounts receivable on an ongoing basis to a commercial finance (or factoring) company at a discount. The factoring company then manages the receivable until it is paid. Factoring is a well-established and accepted method of temporary alternative finance that is especially well-suited for rapidly growing companies and those with customer concentrations.

2. Accounts Receivable (A/R) Financing – A/R financing is an ideal solution for companies that are not yet bankable but have a stable financial condition and a more diverse customer base. Here, the business provides details on all accounts receivable and pledges those assets as collateral. The proceeds of those receivables are sent to a lockbox while the finance company calculates a borrowing base to determine the amount the company can borrow. When the borrower needs money, it makes an advance request and the finance company advances money using a percentage of the accounts receivable.

3. Asset-Based Lending (ABL) – This is a credit facility secured by all of a company’s assets, which may include A/R, equipment and inventory. Unlike with factoring, the business continues to manage and collect its own receivables and submits collateral reports on an ongoing basis to the finance company, which will review and periodically audit the reports.

In addition to providing working capital and enabling owners to maintain business control, alternative financing may provide other benefits as well:

It’s easy to determine the exact cost of financing and obtain an increase.
Professional collateral management can be included depending on the facility type and the lender.
Real-time, online interactive reporting is often available.
It may provide the business with access to more capital.
It’s flexible – financing ebbs and flows with the business’ needs.
It’s important to note that there are some circumstances in which equity is a viable and attractive financing solution. This is especially true in cases of business expansion and acquisition and new product launches – these are capital needs that are not generally well suited to debt financing. However, equity is not usually the appropriate financing solution to solve a working capital problem or help plug a cash-flow gap.

A Precious Commodity

Remember that business equity is a precious commodity that should only be considered under the right circumstances and at the right time. When equity financing is sought, ideally this should be done at a time when the company has good growth prospects and a significant cash need for this growth. Ideally, majority ownership (and thus, absolute control) should remain with the company founder(s).

Alternative financing solutions like factoring, A/R financing and ABL can provide the working capital boost many cash-strapped businesses that don’t qualify for bank financing need – without diluting ownership and possibly giving up business control at an inopportune time for the owner. If and when these companies become bankable later, it’s often an easy transition to a traditional bank line of credit. Your banker may be able to refer you to a commercial finance company that can offer the right type of alternative financing solution for your particular situation.

Taking the time to understand all the different financing options available to your business, and the pros and cons of each, is the best way to make sure you choose the best option for your business. The use of alternative financing can help your company grow without diluting your ownership. After all, it’s your business – shouldn’t you keep as much of it as possible?

Nutrition supplements are not only necessary but are indispensable even for those persons eating balanced diets. There are several advantages that bodybuilding nutrition supplements are able to provide humans that normal food is not able to give.Let us take a brief look at the benefits of nutrition supplements, as the first step in a nutrition guide.
Healthy nutrition increases energy both in body and in mind
It provides relaxation to the mind and the various body parts
Bodybuilding supplements help in beating stress and fatigue
Nutrition supplements sharpens the mind and improves memory power
Healthy nutrition is a great facilitator of detoxification and in overcoming addiction
Nutrition supplements assist you in achieving internal calmness and a connected feeling
All the above processes help in elevating the overall mood, resulting in higher work efficiency
Healthy nutrition is a natural process that gives you the same or even higher energy boost and mood relaxation from tea, coffee, tobacco, liquors, drugs, etc., without their harmful side effectsBody-mind complex should not be violatedThe major difference between these bodybuilding nutrition supplements and the above listed harmful materials is that the natural nutrition supplements work with the innate design of your body and not against it. All addictive materials definitely work against the body-mind system, though they might appear to be working with them.They do provide stimulation and relaxation. That could not be denied. However, the harmful side effects from drinks, drugs, and tobacco far exceed the momentary benefits derived from them. They become an addiction. They leave you exhausted and run down in the long run, because they work against the natural body system. Constant exposure to such violation of the body and mind leads to the dislocation of internal harmony. Disastrous results ensue.Right nutrition guide to healthy lifeNutrition supplements are the exact opposite of the above listed harmful items in functioning. They not only work the body-mind system but enhance the natural abilities inherent in our complex physical structure. There is nothing miraculous about healthy nutrition and bodybuilding nutrition supplements. By nature, they are designed to supplement and compliment the various body functions and mental activities.They are similar in nearly all the aspects to the various chemicals and fluids that we have in our body and brain. Vitamins, minerals, and amino acids present in our body control the function of the various body parts and the activities of the brain. The nutrition supplements just enhance the energy present in the body to higher levels, increase the focusing power of the mind, and usher in overall well being.