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.
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.
How Much Does a Pharmacy Technician Earn?
Average earning of a particular profession is perhaps one of the most important parameters that help you decide in favor of or against it. And why shouldn’t it be? Who wouldn’t like to take back home decent wages at the end of a hard day’s work? After all, money plays a vital role in shaping the standard of your life. It is important for securing your family’s and your own future. So, whoever said money should not be a consideration while choosing a career has probably never lived without it.If you are exploring a pharmacy technician career, then this question must be at the top of your head. We’re here to help answer some of your questions regarding how much they earn on an average.However, before we get into details about pharmacy techs pay, it’s important to understand what the job entails. Because just like money is important, so is enjoying what you do for a living!Pharmacy Technician CareerLet’s start with what pharmacy technicians can’t do or rather are not supposed to do. They are absolutely forbidden from giving medical advice to patients who visit their pharmacies. They are not qualified to do so; hence they should resist the urge to not just offer medical advice, but also guide patients on what medication may work better for their condition irrespective of how knowledgeable and experienced they think they are.Although the duties and responsibilities of a them may vary depending on the type of facility they’re employed in, but in general their day-to-day work involves:
Receiving prescriptions and verifying them for accuracy
Filling prescription medications and labeling them correctly
Preparing intravenous mixtures under supervision
Assisting the pharmacist in inventory management
Answering telephone queries from patients
Storing drugs in a safe and secure manner
Maintaining patient records for reference
Preparing and processing insurance claim forms
Interfacing with customers who visit the store
Operating cash register at checkout
Pharmacy Technician TrainingIt’s best to start training for a pharmacy technician career in high school itself by taking courses in math, biology, chemistry, computers, etc.Once you’ve laid the ground by taking appropriate courses in high school, you can choose between a college degree and a vocational pharmacy technician course offered at career schools. A college degree will require a minimum of two years for completion, while a career training course can be completed in a matter of few months.What’s important is to get certified at the end of your academic study or pharmacy technician training program. Although certification is a hundred percent voluntary, having it just enhances your credibility and with it your job prospects. Certifying examinations are held by organizations like the Pharmacy Technician Certification Board (PTCB) and the Institute for the Certification of Pharmacy Technicians (ICPT).Pharmacy technician training should ideally include hands-on experience working in a pharmacy. This training could be incorporated in the curriculum of your pharmacy technician program or you may have to request for an intern position at your local pharmacy.Pharmacy Technician PayThe exact earnings of a pharmacy tech depend to a great extent on not just the type of facility he or she is employed in, but also other factors like:
Skill-level
Experience
Certification
Location
The average hourly wages of a pharmacy technician range from $8.03 – $15.56.1 Those who work for a franchise may earn between $7.86 and $13.87 per hour, while pharmacy techs employed in hospitals take home about $9.49 – $19.02. 2When it comes to experience-level, pharmacy techs with less than one year of experience earn $7.68 – $13.36 per hour, while those with 5-9 years of experience make $9.17 – $17.27 per hour.3