You’re never too young to be concerned about the environment and other ecological issues. At a time when most young women are beginning to use skin care products and cosmetics, many companies are competing for their purchases. Many teenagers simply follow the mainstream and begin using products that are readily available and widely advertised. But others have chosen a different road: ethical skin care products.What is Ethical Skin Care?In general, companies who produce products using ingredients from only natural and sustainable sources can be thought of as producing ethical products. Another facet of ethical products involves not testing on animals. Packaging is important, too. Glass is a preferred packaging material as is recycled and recyclable plastic. The ingredients used in ethical products are generally certified organic, meaning that they are free from pollutants like pesticides and chemical fertilizers. In an era when irradiated and genetically modified ingredients are common, ethical products eschew these in favor of choices that are more natural. With no animal products, alcohol or chemicals or synthetics, ethical cosmetics and skin creams are less likely irritate the even the most sensitive skin.Ethical Skin Products for TeensTeenagers have special skin problems. Their skin is changeable and many suffer from oily skin and skin conditions like skin acne. Skin care lines like Face Boutique have completely rethought skin care and designed effective products that address acne and other skin problems. For example, some products contain prebiotics. Prebiotics help promote the growth of “good” bacteria and are thought to have a beneficial effect on some skin conditions. This makes them good candidates for use in natural skin care products for teenagers whose skin is often clogged and distressed.What’s Not in Ethical Skin ProductsEthical skin products generally do not contain petroleum products, parabens, sulfates or phthalates. Petroleum products like mineral oil clog the skin. Parabens are artificial preservatives. Sulfates are salts of sulphuric acid that can dry the skin. Phthalates are petroleum products that are used to make plastics like PVC. Finally, ethical skin treatment products do not contain GMOs. GMO stands for “genetically modified organism,” a substance who’s very DNA has be altered by scientific means.Using ethical skin care products is a great way for teens in the UK to support companies who choose to manufacture products in an environmentally responsible way.
Pharmacy Technician – Higher Education Opportunities
When looking to pursue a career in the field of pharmacy there are more options than just becoming a pharmacist. Students can enroll in an accredited school or college to higher education opportunities for becoming a pharmacy technician. Students can pursue the certificate or associates degree needed to enter the workforce by enrolling with an accredited educational training program.Pharmacy technicians are trained to work in a number of places like hospitals, health insurance companies, drug stores, grocery stores, and much more. With an accredited degree or certificate program students will train to assist pharmacists in preparing prescriptions, count pills, stock shelves, label bottles, perform administrative duties, and many other related tasks. In order to work in this field students’ will need to decide on their desired career path prior to enrolling in a school or college. This will help to decide whether they should earn a certificate or degree.*CertificateStudents who choose to earn a certificate in pharmacy assisting can do so through various educational training programs. Certificates in this area of the field can be obtained with as little as twelve months of study. Coursework and length of study will vary based o n the chosen educational program of attendance and specific type of employment desired. Students will be required to study a variety of subjects including medical terminology, pharmacy recordkeeping, pharmacy law, pharmaceutical terminology, pharmaceutical calculations, pharmaceutical techniques, pharmacy ethics, and many other related areas. With an accredited certificate program students will gain the knowledge and skills needed to enter into the workforce prepared for their exciting new career.*Associate DegreeStudents can pursue an associate level degree in the field of pharmacy to become a pharmacy technician. With a degree program at this level students should expect to spend around two years of study obtaining their degree. Subjects of study will vary depending on each individual student’s career goals and school or college of enrollment. Coursework may include courses in technical communications, pharmacy inventory management, computer literacy, community practice, chemistry, psychology, human relations, medications, prescription processing, and more. By earning an accredited associates degree students will have the training needed to begin working after graduation.With a degree or certificate in this field students may be required by their state to hold certification in order to work. Students may need to register with The Pharmacy Technician Certification Board (PTCB) or other agencies to take the national certification exam. Not all states require pharmacy technicians to be certified so it is best to check beforehand.By gaining an accredited education students can be sure that they will receive the quality training they need. Agencies like the Accreditation Council for Pharmacy Education ( http://www.acpe-accredit.org/ ) is one of numerous agencies approved to provide full accreditation to educational programs. Students can request more information about the certificate or degree of their choice by contacting the pharmacy technician schools and colleges that interest them most. By enrolling today students can start the path to becoming the pharmacy technician they desire.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.
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.