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This paper deals with the question: Why is the shift toward online education happening? This is a complex issue that involves questions of educational access, paradigms for teaching and learning, competition and globalization among universities, the development of new and better online technologies, and the financial pressures facing higher education. A huge transition is underway.The same networking and computing technology that has revolutionized global commerce, and many other facets of modern life, is now being targeted at education. Partnering the Internet with modern course management systems makes it possible for universities to offer online coursework on a global basis. The critical task that lies ahead is to create and disseminate curricula of high quality that students can embrace and educators can sustain. For more details visit to [http://www.guardadsense.com]. The overall objective of José’s Online Education Forum is to examine the realities of college and university online teaching, and the processes of education using today’s information technologies. Collectively, the authors of this paper have taught over a hundred different university-level courses online, both graduate and undergraduate, mostly using the Internet. The issues and insights discussed in this Forum will provide educators with important tools and the understanding needed to effectively embrace the world of online education.1. INTRODUCTION1.1 The Sloan ConsortiumIn a Sloan-C survey of 1170 Provosts and Academic VPs, more than half indicated a belief that online education would be ‘critical for the long-term’ in higher education. Surprisingly perhaps, the same percentage said that they believe success in achieving learning outcomes is already equivalent between online and traditional teaching methods. And there was also a consensus of opinion among these respondents that the quality of online courses would continue to improve, with a third of them believing that online teaching quality will soon surpass the quality typical of conventional teaching. These opinions may be surprising for many of us in the teaching profession, coming as they do from such high level and influential administrators. They signal a fundamental change in perceptions about the potential of online education in the immediate future.1.2 OverviewThe objective in this paper is to investigate and assess why this shift to online education is happening. Several factors can be cited beginning with improvements in access to educational services using online technologies and changing paradigms for teaching and learning that integrate well with these technologies. Other factors include heightened educational competition and globalization, the ongoing and often dramatic improvements in online systems capabilities, and the underlying economics of providing online education versus conventional means. The following sections of this paper explore each of these factors individually.2. ACCESS TO EDUCATION2.1 Access for the MassesThe ability to use information technologies effectively is one aspect of achieving success in today’s society, both for individuals and for organizations as a whole. The current job market requires educated workers who are capable of changing and adapting as business and cultural realities shift and evolve in today’s fast-paced, global economy (Kantar, 2001). Information technology is enabling the development of this kind of economic world structure. For more information logon to [http://www.instant-adsense-dollars.com]. It is also making possible the education of the workforce that this new economy requires by providing new capabilities for teaching and learning online.Online education offers the promise of increased access to high quality education for the masses. Exactly how this is going to occur is not clear yet, but there is no doubt that online education is rapidly becoming an established modality. The development of the modern world economy demands an educated workforce. Places like the three It’s (India, Indonesia, and Ireland) and more recently China, are finding that the need for an educated workforce is overwhelming the capabilities of their traditional educational systems. In America and Western Europe, the same economic and political pressures associated with ‘equality of opportunity’ contribute to demands for equal access to a quality education for all who seek it.

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.

Overview of this ProfessionPharmacy Technicians are the ones who typically fill your prescriptions. It’s difficult to envision a pharmacy running well without them. A licensed pharmacist supervises them, but they basically handle most of the workload.It’s common for pharmacy techs to be employed in hospitals, nursing homes, clinics as well as pharmacies. Certification requirements change by state. However, regardless of your state’s requirements, your potential employer could demand it. Pharmacy tech schooling is surely recommended if you’re thinking about this line of work.What Might You Expect on a Normal Work Day?If you work at a hospital you might need to prepare intravenous (IV) solutions and present medication to hospital patients. Blood thinners and sedation drugs are the types of non-commercial drugs you may need to be familiar with. A number of hospitals require their technicians to have formal training and certification before handling such sensitive medications.Job Options & Wage PotentialDo not be mislead into believing that the pharmacy tech occupation is one lacking career advancement. In a retail pharmacy environment, one example of career promotion is getting promoted to manager of the pharmacy. Nuclear pharmacy and chemotherapy are career growth opportunities for those who work in a hospital. One more option for furtherance is moving to other health care specialties like medical billing and transcription.The median hourly wage for pharmacy techs starts at $8-10. It’s doable to make a lot more if you get more work experience in your specialization.What are the Requisite Certifications and Degrees?Each state sets their state specific requirements for pharmacy technicians, presently there are no federal guidelines. In many states, training and taking a state test is a requirement. Certification is granted by the Pharmacy Technician Certification Board (PTCB) or the Institute for the Certification of Pharmacy Technicians (ICPT) in the U.S.After passing the certification examination, you will be a Certified Pharmacy Technician (CPhT). This title gives you two distinct advantages over non-certified job applicants: you appear more qualified and you also increase the chance of a higher starting salary.If you are interested, get started now in a pharmacy tech training course. How long does training normally take? Normally 6 months to 2 years. And because there are more jobs available than people to fill them you’re certain to get work soon.Working in CanadaIf you are considering a move to Canada, you will need to apply for a license in that country. Canada’s qualification to practice as a pharmacy tech differ from the US, so make sure you read up on what you need to do in advance so you’re not stuck without a job after the move. You will need to sit for the Pharmacy Technician Qualification Examination issued by the PEBC.Does this profession sound interesting to you? If so, we recommend you start on your schooling as soon as you are able.