Accuracy and Attention to Detail – Key Requirements for a Pharmacy Technician

Many Americans are looking for a recession proof job, which is fulfilling and rewarding. The pharmacy industry experienced a surge in growth lately. The projected growth rate of a particular kind of technician is especially promising. Pharmacy techs are indispensable in the day to day operations of the pharmacy. Many jobs are available, and a pharmacy technician can work in many different work places. Many pharmacies are open 24 hours, which can result in odd work hours for the technician.A pharmacy tech is often considered the right hand of the pharmacist. He/she has a variety of duties in the pharmacy. The particular duties of a pharmacist technician depend largely on the place of employment, experience, and seniority. Online and retail pharmacies operate in many ways similar to pharmacies located in drugstores and grocery stores. In most work environments, the technician’s duties include data entry for storing and sorting purposes, labeling bottles, filling prescriptions, as well as dispensing medications to patients/customers.Keeping an accurate count of stored medications, and maintaining the stock, are also duties of a pharmacy technician. This includes all over-the-counter medications as well. Filling out insurance claims, and contacting insurance companies are the responsibility of a technician. Questions related to prescriptions sometimes require a technician to contact the patient’s physician for verification. The preparation of IV solutions, creams, and ointments can also be done by the pharmacy technician.As an assistant to the pharmacist, clerical and administrative duties are also fulfilled by the pharmacy tech. This mainly includes answering the phone, and managing the financial operations of the pharmacy. Customer service is a big part of the daily duties of any pharmacy technician. Regardless of the size of pharmacy, dealing with customers, or patients if your workplace is a hospital or clinic, is a requirement.Filling prescriptions and dispensing medications are tasks that need attention to detail. Accuracy is important, as filling a prescription incorrectly can ultimately cause a lot of harm to a patient/customer. Adverse reactions can even cause death. Medications are often named very similar. Double-checking the medication and the dosage ensures, the patient/customer receives the right medication for his/her condition. It is also important to be aware of exchanging brand name medications with equivalent generic medications, as these may contain additional ingredients.Pharmacy techs are not allowed to advise patients/customers. For any questions regarding medications, they have to refer the patient/customer to the pharmacist. The pharmacist is the person, who has to give information about possible adverse reactions or general information about medical issues to the patient. Technicians can only refer to the pharmacist for question, even though they may know the answer.A career in this field is rewarding. Someone, who likes to deal with people, enjoys responsibility, is diligent, and has the required attention to detail, will find this occupation very fulfilling. The predicted job growth rate is higher than average. Pharmacy technicians can advance by being certified. A CPR certificate is an example for such a certification. The median salary of a pharmacy technician is around $ 25,000-30,000 annually.

Overseas Travel Insurance Plans – Costs Less and Offers More

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing travel insurance to safeguard the trip is still dismal among Indian travelers.Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.Travel insurance plans available for Singapore tripsThe following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942

HDFC Ergo – Premium of Rs. 1015

Reliance – Premium of Rs. 1129

TATA AIG – Premium of Rs. 1234

Religare – Premium of Rs.1666

The lowest premium is Rs. 942 for a travel insurance plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.Travel Insurance plans available for UK tripsThe following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942

Bajaj Allianz – Premium of Rs.991

HDFC Ergo – Premium of Rs. 1015

Reliance – Premium of Rs. 1129

Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139

Universal Sompo provides the lowest premium. The premium of travel insurance plan is also Rs. 942 for a 10 days trip To UK.Travel insurance policies for US tripsThe following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 1344

HDFC Ergo – Premium of Rs. 1438

Bajaj Allianz – Premium of Rs.1441

IFFCO-TOKIO – Premium of Rs.1456

Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658

TATA AIG – Premium of Rs. 1694

Reliance – Premium of Rs. 1783

The lowest premium is Rs. 1344 for a travel insurance plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.Best travel insurance plans in India in terms of baggage and medical coverage The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing travel insurance policy. So let’s find out best travel insurance plans in terms of medical emergency and luggage safety.From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783. The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

Emergency Medical Expenses

Permanent Disablement/accidental death

Hospital Cash

Loss of Personal Documents

Accidental Death

Loss of Baggage

Financial Emergency Assistance

Personal Liability

What is the cost of international travel policy for a couple? According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.Religare offers the best plan which comes at a premium of Rs. 2407.If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a travel insurance policy. If you compare travel insurance plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the travel insurance which is a significant rise from last year’s 80%. One of the major provider of travel insurance plans in India; ICICI Lombard underwritten a total travel insurance premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.27% of the total respondents in the survey choose not to avail a travel insurance plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. Travel insurance policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.Indians love to spend their holidays in international destinations. An international travel insurance plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.

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.