Motorsports Engineering Schools in North Carolina

If you’re interested in a career in racing or automotive technology, you might be considering a motorsports engineering school or program. Great decision! The specialized education that a motorsports engineering program provides will give you a leg up on your future career prospects, and set you on the fast track to a great career in racing!Here, we’re highlighting motorsports engineering schools located in the great state of North Carolina.One of the biggest advantages to attending a school in North Carolina is the close proximity to the heart of racing country. NASCAR is the fastest growing type of racing in this country, and there’s no shortage of interest in NASCAR in North Carolina, especially in the Charlotte area. All of the major NASCAR race shops and many of the main manufacturers for the industry are located in or near Charlotte, making it the perfect place to look for an internship and future job.

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NASCAR Technical Institute, UNC-Charlotte, Belmont Abbey College, Central Piedmont Community College, and Forsyth Technical Community College are all located in North Carolina. Most are in or near Charlotte.The University of North Carolina – Charlotte is located, obviously, in Charlotte and it is one of the best motorsports engineering schools in the country. It is one of the few schools that offer a bachelors of science degree in motorsports engineering, and it offers required specialized education in motorsports along with applied knowledge in both laboratory and real-world settings.Belmont Abbey College offers motorsports management minor, which is a bit less technical than a major motorsports engineering program like UNC-Charlotte’s degree. Central Piedmont Community College offers a high school for college credit with a certificate program in automotive systems with a specialization in motorsports that can be applied to a major four-year college.

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Forsyth Technical Community College offers an associate of applied science (AAS) degree in race car technology, while the NASCAR Technical Institute, which has multiple locations, offers technical certificate programs that relate to motorsports technology.Any of these programs will help get you on the right track towards a career in racing and motorsports, along with giving you a variety of applied technical knowledge and skills that you can use in a number of different career paths. A motorsports education is the first step to realizing your dreams in racing, and attending a program in the heart of racing country is a great step in a positive direction.

Home Improvement – Furniture

When we think of home improvements, visions of saw dust and sheet rock come to mind. We try to avoid these things as long as possible because it requires lots of time and effort. Many times large cash outlays are also required. We never think of improvements we can make in our home by simple changes in our living quarters. These improvements are rather easy and most can be done in a weekend. We throw out stale bread, stale pastries and stale coffee but we hang on to stale furniture until it falls apart. We never get around to replacing the look that we loved several years ago. If you are like me, I never know where to start. It seems everything needs changing. We couldn’t do it all at once so we picked a room and jumped right in.

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Our living room seemed the right place to start. I really didn’t want to drive all around town looking through furniture stores. Most stores had the same tired selections and the styles were pretty similar. We wanted something different. The internet seemed a good place to start looking. I was surprised at the wide selection of furniture I found online. The pictures looked great and the prices were in line with the stores. My question was is the quality of the furniture up to my standards? From experience, I learned long ago to never forsake quality for price. Surprised, I found most web sites offered my money back if I was not happy with the purchase for any reason and the shipping was free. With that, I felt secure and started seriously looking.The problem with the old furniture, other than being old, was it seemed to crowd the room. We wanted more open space and decided to look at smaller pieces and place them at different angles. A few inches will make a big difference in a room. Many fabrics and styles were available in a multitude of colors. The anchor pieces, sofa and loveseat, was our first purchase. We then chose a coordinating accent chair that really made the room look fresh and new. With childhood excitement, we picked the occasional tables and other accessories to finish off the room. We did all this from the comfort of our home and a single web site. No driving around town looking and looking and looking. We saved time and money with comfortable internet shopping.

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Our purchase arrived on time and in perfect condition. We were delighted with the style and quality of the furniture. After attaching a few legs we moved the magic inside. That fresh new look had entered our home and wow what a difference. Our home improvement was complete, all we have to do now is sit back with a cool drink and enjoy. We have just what we wanted. A little different ambience that makes this comfortable room truly us. Home improvements inside can be fun and you don’t have to drive a single nail.

Energy Explained Simply

Energy, it is fair to say, is a very vague concept. So where does one go to learn more? Does one have to take a physics course? I don’t think so, and to test my theory, I have tried to explain energy as briefly as I can, right here.Energy 101Energy is what makes the world go round. Literally. Every neuron that sparks in your brain, every electron that fires down a wire, every molecule burning in a fire, carries with it a sort of momentum that it passes on like a baton in a complex relay race. The batons are flooding in all directions all around us and across the universe – they are energy and we have learned how to harness them.The actual word “Energy” is a much abused term nowadays – because energy is used to represent such a disparate range of phenomena from heat to light to speed to weight, and because it seems to be able to change forms so readily, it is cannon fodder for pseudo-scientific and spiritual interpretation. However, you will be pleased to hear that it actually has a very clear (and consistent) nature.I like to think of energy being a bit like money – it is a sort of currency that can be traded. It takes on various forms (dollars/pounds/Swiss francs) and can be eventually cashed in to achieve something. However, just like money, once spent, it does not vanish. It simply moves on a new chapter in its life and may be reused indefinitely.To illustrate the point, let’s follow a ‘unit of energy’ through a visit to planet Earth to see what I mean. The [number] shows every time it changes currency (see the key below).The energy in our story starts off tied up in hydrogen atoms in the sun [1]. Suddenly, due to the immense pressure and heat, the nuclei of several atoms react to form a brand new helium atom, and a burst of radiation[2] is released. The radiation smashes into other nearby atoms heating them up so hot [4] that they glow, sending light [2] off into space. Several minutes pass in silence before the light bursts through the atmosphere and plunges down to the rainforest hitting a leaf. In the leaf the burst of power smashes a molecule of carbon dioxide and helps free the carbon to make food for the plant [3]. The plant may be eaten (giving food ‘Calories’), or may fall to the ground and settle and age for millions of years turning perhaps to coal. That coal may be dug up and burned to give heat [4] in a power station, boiling water to supply compressed steam [5] that may drive a turbine [6] which may be used to generate electricity [7] which we may then use in our homes to heat/light/move/cook or perhaps to recharge our mobile phone [3]. That energy will then be used to transmit microwaves when you make a call [2] which will mostly dissipate into the environment heating it (very) slightly [4]. Eventually the warmed earth radiates [2] this excess of heat off into the void where perhaps it will have another life…Energy currencies:[1] Matter is energy, according the Einstein, and the quantity relates to mass according to E=mc^2 (c is a constant equal to the speed of light).[2] Radiation (like sunlight) is a flow of energy, and energy content relates the frequency according to E=hf (h is the Planck constant).[3] Chemical energy – the most complex energy, a mixture of different tensions in nuclear and electromagnetic force fields.[4] Thermal (heat) energy- this is really just a sneaky form of kinetic energy [6 below] – small particles moving and vibrating fast are sensed by us as heat.[5] Compression (or tension) energy – while compressed air is again a sneaky form of kinetic energy[6], a compressed spring is different – it’s energy is more like chemical energy and is stored by creating tension in the force fields present in nature (gravity, electromagnetism and nuclear forces).

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[6] Kinetic energy – is energy by virtue of movement (like a speeding bullet or unstoppable train)[7] Electrical energy – this energy, like a compressed spring, is stored as stress in force fields, in this case electromagnetic force-fields.This short story is testament to an enormous quantity of learning by our species, but there are some clear exclusions to be read into the story: Energy fields (auras) or the energy lines in the body that conduct the “chi” (or life force) of Asian medical tradition
Energy lines on the Earth (aka Ley lines)
Negative or positive energy (as in positive or negative “vibes”)These energy currencies relate to theories and beliefs that science has been unable to verify and thus they have no known “exchange rate”. Asking how many light bulbs can you power with your Chi is thus a nonsensical question, whereas it would not be for any scientifically supported form of energy. And since energy flows account for all actions in the universe, not being exchangeable would be rather limiting.Where exactly is Energy kept?This may sound like s strange question, we know Energy is kept in batteries, petrol tanks and chocolate chip cookies. But the question is, where exactly is it stored in those things?Energy is stored in several ways:as movement – any mass moving has energy by virtue of the movement, which is called Kinetic Energy
as matter – Einstein figured out that matter is just a form of energy, and the exchange rate is amazing – 1g = 90,000,000,000,000,000 joules (from E=mc^2)
as tension in force fieldsThat last one sounds a bit cryptic, but actually most of the energy we use is in this form – petrol, food, batteries and even a raised hammer all store energy in what are essentially compressed (or stretched springs).What is a force field? Why on earth did I have to bring that up?All of space (even the interstellar vacuum) is permeated by force fields. The one we all know best is gravity – we know that if we lift a weight, we have to exert effort and that effort is then stored in that weight and can be recovered later by dropping it on your foot.Gravity is only one of several force fields known to science. Magnetic fields are very similar – it takes energy to pull a magnet off the fridge, and so it is actually an energy store when kept away from the fridge.The next force field is that created by electric charge (the electric field). For many years this was though to be a field all on its own but a chap called James Clerk Maxwell realised that electric fields and magnetic fields are in some senses two sides of the same coin, so physicists now talk of ‘electromagnetic’ fields. It turns out that electric energy (such as that stored in a capacitor) consists of tensions in this field, much like a raised weight is a tension in a gravity field. Perhaps surprisingly, light (as well as radio waves, microwaves and x-rays) are also energy stored in fluctuations of an energy field.Much chemical energy is also stored in electric fields – for example, most atoms consist of positively charged nuclei and negatively charged electrons, and the further apart they are kept, the more energy they hold, just liked raised weights. As an electron is allowed to get closer to the nucleus, energy is released (generally as radiation, such as light – thus hot things glow).The least well known force field is the strong ‘nuclear’ force. This is the forces that holds the subatomic particles (protons) together in the nucleus of atoms. Since the protons are all positively charged, they should want to repel each other, but something is keeping them at bay, and so physicists have inferred this force field must exist. It turns out their theory holds water, because if you can drag these protons a little bit apart, they will suddenly fly off with gusto. The strong nuclear force turns out to be bloody strong, but only works over a tiny distance. It rarely affects us as we rarely store energy with this energy field.Now we understand force fields we can look at how molecules (petrol, oxygen, chocolate) store energy. All molecules are made of atoms connected to one other via various ‘bonds’ and these bonds are like springs. Different types of molecules have different amount of tension in these bonds – it turns out coal molecules, created millions of years ago with energy from the sun, are crammed full of tense bonds that are dying to re-arrange to more relaxed configurations, which is exactly what happens when we apply oxygen and the little heat to start the reaction.The complexity of the tensions in molecules are perhaps the most amazing in nature, as it is their re-arrangements that fuel life as we know it.What exactly is Heat then?You may have noticed that I did not include heat as a form of energy store above. But surely hot things are an energy store?Yes, they are, but heat is actually just a sort of illusion. We use heat as a catch all term to describe the kinetic energy of the molecules and atoms. If you have a bottle of air, the temperature of the air is a direct consequence of the average speed of the molecules of gas jetting around bashing into one another.As you heat the air, you are actually just increasing the speed of particles. If you compress the air, you may not increase their speed, but you will have more particles in the same volume, which also ‘feels’ hotter.Solids are a little different – the atoms and molecules in solids do not have the freedom to fly around, so instead, they vibrate. It is like each molecule is constrained by elastic bands pulling in all directions. If the molecule is still, it is cold, but if it is bouncing around like a pinball, then it has kinetic energy, and feels hotter.You can see from this viewpoint, that to talk of the temperature of an atom, or of a vacuum, is meaningless, because temperature is a macroscopic property of matter. On the other hand, you could technically argue that a flying bullet is red hot because it has so much kinetic energy…Is Energy Reusable?We as a species, have learned how to tap into flows of energy to get them to do our bidding. So big question: Will we use it all up?Scientists have found that energy is pretty much indestructible – it is never “used-up”, it merely flows from one form into another. The problem is thus not that we will run out, but that we might foolishly convert it all into some unusable form.Electricity is an example of really useful energy – we have machines that convert electricity into almost anything, whereas heat is only useful if you are cold, and light is only useful if you are in the dark.Engineers also talk about the quality (or grade) of energy. An engineer would always prefer 1 litre of water 70 degrees warmer than room temperature, than 70 litres of water 1 degree warmer, even though these contain roughly the same embodied energy. You can use the hot water to boil an egg, or make tea, or you could mix it with 69 litres of room temperature water to heat it all by 1 degree. It is more flexible.Unfortunately, most of the machines we use, turn good energy (electricity, petrol, light) into bad energy (usually “low grade heat”).Why is low grade heat so bad? It turns out we have no decent machine to convert low grade heat into other forms of energy. In fact we cannot technically convert any forms of heat into energy unless we have something cold to hand which we are also willing to warm up; our machines can thus only extract energy by using hot an cold things together. A steam engine relies just as much on the environment that cools and condenses water vapour as it does on the coal its belly. Power stations rely on their cooling towers as much as their furnaces. It turns out that all our heat machines are stuck in this trap.

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So, in summary, heat itself is not useful – it is temperature differences that we know how to harness, and the bigger the better.This picture of energy lets us think differently about how we interact with energy. We have learned a few key facts:Energy is not destroyed, and cannot be totally used up – this should give us hope
Energy is harnessed to do our dirty work, but tends to end up stuck in some ‘hard to use’ formSo all we need to do to save ourselves is:Re-use the same energy over and over
by finding some way to extract energy from low grade heatAlas, this is a harder nut to crack than fission power, so I am not holding my breath. It turns out that there is another annoying universal law (the Second Law of Thermodynamics) that says that every time energy flows, it will somehow become less useful, like water running downhill. This is because energy can only flow one way: from something hot to something cold – thus once something hot and something cold meet and the temperature evens out, you have forever lost the useful energy you had.It is as if we had a mountain range and were using avalanches to drive our engines. Not only will our mountains get shorter over time but our valleys will fill up too, and soon we will live on a flat plane and our engines will be silent.The Big PictureSo the useful energy in the universe is being used up. Should we worry?Yes and no.Yes, you should worry because locally we are running out of easy sources of energy and will now have to start using sustainable ones. If we do not ramp up fast enough we will have catastrophic shortages.No, should should no worry that we will run out, because there are sustainable sources – the sun pumps out so much more than we use, it is virtually limitless.Oh, and yes again – because burning everything is messing up the chemistry of the atmosphere, which is also likely to cause catastrophe. Good news is that the solution to this is the same – most renewable energy sources do not have this unhappy side effect.Oh, and in the really long term, yes we should worry again. All the energy in the universe will eventually convert to heat, and the heat will probably spread evenly throughout the universe, and even though all the energy will still be present and accounted for, it would be impossible to use and the universe would basically stop. Pretty dismal, but this is what many physicists believe: we all exist in the eddy currents of heat flows as the universe gradually heads for a luke-warm, and dead, equilibrium.=============If you liked this article, you might like my series on efficient motoring.

Family Business, Non-Family Business, Urban Myths.

After 20 years of working with Senior Executives across the world it’s interesting to see the mistakes when appointing Senior Executives. There can be many reasons why, but one reason is not understanding the differences of working in a Family Business and a Non-Family Business. I’ve recently met several Senior Executives who are unhappy with their employment because of this lack of knowledge and understanding and I’m meeting Business owners who didn’t realise there was a difference. These Business Owners feel that money and title is enough and stick to the Mantra of “Surely experienced ‘C’ level Executives can work in any company?”Due to the change of economy, I have become more involved with assisting Family Businesses rather than just the corporates in finding ‘C’ level people. To do this successfully I believe that everyone in the process of hiring Senior Executives must understand the differences that separate the two entities. Having worked for an English and Indian Family Business in a past life this has helped me at first hand to see the ups and downs of these Businesses; this with a theoretical base has helped with running my own companies or advising others with theirs.One recent company I have been involved with was run and founded by a successful New Zealand Entrepreneur. He does not have anybody in his immediate family to hand the reins over to. He has tried (outside the family) executives to fill his ‘C’ level roles and has had three people in three years! What is the problem? Was this a real Family Business? Was the Problem his, or the Executives?We discussed the reasons for the failures but in terms of assisting the owner I got him to firstly look at where his people came from. All three had been ‘C’ level people in corporates and had done an excellent job in their corporate environment. They all returned to corporate life and continued to do well in their new roles. Why did they fail then in this successful company?What I needed the owner to do was to identify a “Family Business”. I don’t normally use dictionary definitions but feel that in this instance Wikipedia gives a satisfactory explanation of a Family Business;”A commercial organization in which decision-making is influenced by multiple generations of a family-related by blood or marriage-who are closely identified with the firm through leadership or ownership. Owner-manager entrepreneurial firms are not considered to be family businesses because they lack the multigenerational dimension and family influence that create the unique dynamics and relationships of family businesses” Wikipedia 2014.We looked at his company and although he didn’t have anyone in the immediate family to take over the reins he had people who owned the company in minor leadership roles. We both agreed he did in fact have a Family Business.

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He thought that buying in top salaried ‘C’ level Executives from corporates would enhance growth and sustain his business. He had not seen any differences between Family and Non-Family Business.Urban Myths for Family Businesses;All are unstable Small to Midsize businesses’.
As an Executive I don’t want to baby sit the junior family members so they can take over my job.
A non-family member will never run the company.
Mother and Father Companies, the only people that matter in the company are family members.
Emotional hard to work places due to family disagreements/arguments.
Incompetent family members in positions of authority.
Are these statements true or are they just Urban Myths?Family businesses are one of the fastest growing sectors of the world economy and now merit serious consideration by Senior Executives looking to advance their careers. This is an amazing turnaround from 25 years ago when nobody wanted to work for a family-owned business. There now seem to be many positives;Patricia Epperlein from InterSearch reports that;In the USA, 90% of businesses are family-owned. They contribute towards 40% of that nation’s GNP and pay approximately half of its total wages.59% of France’s Top-500 industrial companies are family-owned.It is estimated that 70% to 85% of all businesses worldwide are family-owned.Tom O’Neil NZ Herald. Jan 2014 states;Small to medium businesses are the lifeblood of New Zealand industry. Various sources cite family businesses as representing 75 per cent of Kiwi firms, providing up to 80 per cent of employment and 65 per cent of national GDP.It’s interesting to note that when companies around the world state that they are a “Family Business” they are trying to reinforce positive family values of, Integrity, honesty, trust and loyalty.Not all Family Businesses’ are SMEs. Companies like;Porsche
WalMart
Tata Group.
In New Zealand the Talley Family (Agribusiness) and the Pandey family (Hotels).
Simon Peacocke of BDO Auckland, an accredited Family Business Advisor works with numerous NZ Family Businesses and feels that they do well because of the following reasons;Family businesses think very long-term and are very resilient, much more so than non-family businesses.Second and third generation family business members start their apprenticeship at a very young age. At 5 years old they are hearing their parents talking about the business so they have an incredible depth of knowledge to draw on.Their relationships with staff and communities also tend to be different – closer, more connected, more loyal.Staff tend to become part of the family business and to stay on as long-term committed employees.While corporates like to be seen supporting their communities, family businesses generally don’t promote they are doing this – they just do it.They don’t throw lots of money at things trying to get rich quick.They also have a powerful focus on building relationships with staff, customers and suppliers.So is it worth working for a family company? Is it better to work for a Non-Family Business? Is there any difference when the economy is good or is in a slump?Nicolas Kachaner 2012 in the Harvard Business Review states,”Results show that during good economic times, family-run companies don’t earn as much money as companies with a more dispersed ownership structure. But when the economy slumps, family firms far outshine their peers. And when we looked across business cycles from 1997 to 2009, we found that the average long-term financial performance was higher for family businesses than for non-family businesses in every country we examined”.Senior Executives looking for longevity in the work place should look at the Family Business as this would take them through economies varying peaks and troughs. They will need to be aware that this will always be done in a cost effective way.Business Consultants believe that they can tell easily if the company is Family or Non-Family Business. You just walk into the Head Office. A Non-family office has a very substantial corporate office with a “Wow Factor”. The Family business being more Frugal has very few “Bells and Whistles”. This Frugality is about the Family Business CEO looking to invest in the long term 20 year plan with the business passing down the generations. The Non-Family CEO is looking to make an instant mark and will try and outperform the person they have taken over from. There are many studies that show that Family Businesses did better in the recent Global recession for the above reason. The Family Business is frugal in the good times and the bad allowing them to weather the storms of economic crisis.This is one of the factors that had been wrong in my client with three ‘C’ Level people in three years. His ‘C’ level people came in with a quick turnaround plan which they hoped would give a quick fix and outspending the last person in the hope that they would do something instantly. No twenty year plan for them as they had never been afforded this way of working in the past.Do Family Businesses perform differently in other countries?

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Justin Craig, PhD states,”Interestingly, in many aspects family businesses as a sector do not vary much from country to country. There are obvious cultural differences but a business with family involvement is challenging in every country. It is also more rewarding than the ‘corporates’, let’s not forget that. Of course, there are older businesses in Europe, for example, than in Australia and New Zealand and the United States, and the mind-sets of companies in Europe will differ than in the later developed countries. But day to day the differences are not noticeable. Older businesses have more at stake and lots more to lose but they also have advantages. Family leaders still have to manage three independent and interdependent systems being the family, the business and the ownership group”.Appointing the right Senior Executives is crucial to any company and is a costly acquisition. There are many reasons why hiring at this level goes wrong but getting it right can make a huge difference to your company.To answer one of my questions, can a ‘C’ Level person work in any type of Business, Family or Non-Family?Yes, but only if they are armed with the knowledge of the differences of the two. What they must also be sure of is the type of business that they are going to work in as sometimes this can be a cloudy issue, making it difficult for them to decide which one it is. Look at those mighty corporate companies of Porsche, Tata and Walmart to name a few.Finding the right ‘C’ Level Executive is a lengthy process and shouldn’t be rushed, if you need to rush you are better to go down the Executive Leasing Route in the short term which will allow you to take a breath and get the right permanent person in place. Work with your inside team or your outside partners to establish a good process, so the firm can articulate the process to the Senior Executives. Everyone appreciates the fact that there is a well thought-out plan in place.For me, I decided a long time ago not to build a Family Business. I wanted to give my children the best in life, but wanted them to make their own way in life too. My children might disagree but as one is studying to be a Barrister and one is settled in a corporate I will wait and see if I need to step in? I have however, always agreed with Billionaire Investor Warren Buffett who said, “He would give his kids just enough so that they could do anything, but not so much as they did nothing”.

Worksite Wellness Coordinators – 3 Measures of Your Program’s Effectiveness and Success (Critical!)

The fact that less than 50% of the worksite wellness programs today conduct any type of program analysis or evaluation is a huge problematic issue. You can better manage and improve what you measure. And you do want to better manage and improve your program as needed, right?Essentially, there are three broad areas within your wellness program that you can evaluate. They are: program structure, how the program is being delivered and the program’s expected outcomes.Program StructureResearch has found that effective, successful worksite wellness programs are well-designed and comprehensive in their approach. Therefore, an assessment of a program’s structure focuses on whether key structural components are in place. To assess your program, you need to ask yourself the following questions:1. How committed is your organization’s leadership to the program?2. Are your programming and interventions based on the needs identified by your comprehensive, organization-wide needs assessment?3. Are your programming and interventions aligned to the demographic and health status characteristics of your target audience?4. Are the topics covered relevant to your target audience?

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5. Are your programming and interventions evidence-based?6. Do coherence, consistency, and integration exist between the various components of your program?7. If you use incentives, does the value equal or exceed the requirements needed to obtain the incentives?8. Are your incentives appropriately designed for their intended purpose?9. Does your program have sufficient resources allocated and is the staffing adequate?10. Are the necessary organizational factors important to success integrated into the program design?11. Is the program seen as being a permanent, integrated feature of employee benefits?12. Is the program aligned with the culture of your organization?13. Is there an evaluation infrastructure in place for tracking program impact and outcomes?Program DeliveryEvaluating your program’s delivery is typically called a process type of evaluation. A process evaluation typically examines how well your program is being implemented, if implementation is going according to plan and how the operation and delivery systems are working out. Program delivery evaluations also examine if feedback is routinely being provided that will allow for any necessary or needed changes to occur.Questions to ask relevant to process evaluation include:1. Are the programs reaching and engaging your desired target audience?2. How many participate?3. Are participants completing the interventions?4. Are participants advancing in their readiness to change behaviors?5. Are participants becoming more engaged in improving their health?6. How satisfied are participants with the program?7. Are the programming and interventions relevant to their needs?8. Is the program being delivered in a similar way across all locations or workplaces?9. Are communications and branding strategies getting the attention of the target audience?10. Do the programming and interventions yield sustained participation over time?OutcomesEssentially, measuring outcomes is determining if your program is achieving its desired purpose, goals and objectives within a given timeframe. Typically, evaluation of outcomes is the primary concern of the employer and program staff or vendors. Are their expectations being met?

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The expected outcomes may differ from organization to organization, but typically fall into one or more of three categories: improvements in the health, safety and well-being of program participants, cost savings (generally viewed as being health related cost savings), enhanced individual and business performance metrics and an overall healthier organization.Speaking of outcomes evaluations, it is important to note that conducting a rigorous and credible ROI analysis is time-consuming, expensive, and requires a high level of expertise in statistical analysis, health services research, econometrics, and benefit plan design. An ideal measure of ROI would be to measure costs and savings associated with each program component separately.Measuring the value a worksite wellness program delivers is a much better and more easily doable strategy for most employers. Monetary value is just one type of value measure. This broader value view allows the worksite wellness program to be seen in light of the full value it can bring to the employer and the improvement of the target audience’s health and wellbeing.

India Debt Collection Business

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

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GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

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US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

A to Z Guide to Wedding Planning!

A is for Atmosphere
Setting the scene for the perfect wedding can be a daunting task and with wedding trends changing rapidly over time, it can mean decision making is hard. Often the best place to start is by thinking about the formality of the event and how you would like your guests to feel on your wedding day! Whether you choose a relaxed garden wedding with subtle coloring and natural tones or a themed wedding at a wild venue with bold wedding colors and outlandish wedding decorations, whichever way you go it is the wedding atmosphere that you create that will generate the most memories!

B is for Bachelorette Party & Bridal Shower
Second to choosing your bridesmaids, this is often the next stage in the planning of your pre-wedding activities! This is the event, other than the wedding itself, that the girls look forward to most! Renowned as the tamer of the two, a bridal shower is a gift-giving party held for a bride-to-be in anticipation of her wedding, it is a time for the females in your life to get to know each other and to share advice before your big day.The Bachelorette Party also known as a hens night, hens party or hens do on the other hand is deemed “an evening of debauchery,” a girls night out in honor of the bride-to-be in the style that is common to that social circle. This is when the bridesmaids take control, organising silly outfits for the bride, dares and games along with gifts for the girls including name tags, fun drinking straws along with personalised bachelorette koozies for a unique gift idea!

C is for Ceremony
Ultimately your ceremony, the moment where two people are united in marriage, is the reason you are planning this special day. The way that you choose to perform your ceremony and the wedding reception that follows are often linked in formality and theme and the options are endless.For the ceremony you will have to give some thought to the location, a church or temple, beach, garden or formal venue often this is driven by the choice for a civil or religious ceremony. Most ceremonies have a similar structure, with your vows, readings and music making a personal service.

D is for Destination Wedding
More and more couples are escaping the traditional big celebration wedding in favor of a smaller more intimate ceremony in an exotic location. Whether your destination wedding is overseas or interstate it can still take a lot of organization, not only for the couple and the wedding day itself but in making it fabulous for the guests that have gone that extra mile to share in your special day!

E is for Engagement
Congratulations on your Engagement, let the fun begin. Start with your engagement announcements, maybe a notice in the newspaper to inform the community or an item that you can send in the mail to let your friends and family know the good news! If you are moving fast you could even add your wedding save the date to your engagement announcement to help with your planning budget.Some couples will choose to have an engagement party, an opportunity to celebrate with family and friends and for future guests to get to know each other before the big day. Engagement party favors are often handed out to the guests as a thank you for attending, such as candy treats or custom beer koozies to take home as a memento.

F is for Favors
Wedding favors also known as bonbonniere are small gifts given as a gesture of thanks to guests from the bride and groom. Wedding favor ideas have become a major part of wedding planning, with modern gift trends including: CDs with the favorite music of the bride and groom, candy jars, picture frames and wedding koozies. Gifts may also be personalized with the couple’s names, initials or wedding date and even an individual guest name to create a gift and place card.

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If you choose wedding Koozies as your wedding favors then it is a great idea to start browsing the designs a few weeks before you need them to be delivered. There is an extensive range of designs available to help you create the perfect match to your wedding color scheme, theme and more. Please read a previous article to help with your design; Personalized Wedding Favors on a Budget – Inspiration for Wedding Koozies to Wow Your Guests!

G is for Gift
A wedding present is a gift taken by a guest to congratulate the couple on their marriage. There is usually some etiquette when it comes to gift giving, some couples may choose to take the hard work out of this for their guests and have a gift registry with a wish list to choose from. Others may have a wishing well, this is where guests can anonymously drop cards and monetary gifts into a box known as a wishing well to help the couple on their way to starting a new life together.

H is for Honeymoon
A honeymoon is the traditional holiday taken by newlyweds to celebrate their marriage in seclusion. Jetting off to somewhere exotic and romantic is not uncommon although the holiday should be something of choice that suits the couple’s outlook and interests. For couples on a budget a destination wedding can be a great way to spread the cost making the addition of a few days for a honeymoon easy.

I is for Invitations
Wedding invitations are a great way to set the scene for your guests. As a follow on from your wedding announcement or save the dates, your wedding invitations can be fun or formal but should be informative and hold an RSVP date so that you can keep to a deadline in your wedding planning.In modern times the way an invitation arrives is becoming more and more imaginative, you might choose a link to an online wedding website where guests can respond electronically or include a link to a video message. Items sent in the mail can also be creative and unique such as origami style folded gifts, printing a message on a balloon that can only be read once blown up or sending custom wedding koozies for your guests to enjoy at home and on bring on the day!

J is for Jewellery
Wedding jewellery can be simple and sophisticated or bold and colorful. This is a very personal choice that that bride will make when choosing her wedding dress and bridal party attire.Sometimes traditional jewellery will be passed down the generations within a family, bridal accessories can include earrings, bracelets, tiaras and hair combs to name a few.

K is for Kiss
“You may now kiss the bride”… the words that the groom has been waiting for all day! Many couples will have a discussion prior to the wedding about the kiss, some even finding this the moment that makes them most nervous! Questions like, how long should it be? Should it be a full-on smooch? Or just a peck? What is the etiquette in wedding kisses? The answer to which is that there is not really an etiquette, just show each other how happy you are to be making this promise to each other and show this off to your guests, just bear in mind that you might be in front of your parents, grandparents and young children.

L is for Love
LOVE. An intense feeling of deep affection and the reason you have been ploughing all of your time into planning the ultimate wedding celebration. Say no more.

M is for is for Music
One big question for your wedding reception, DJ or Band? Often the answer to which is dependent on budget, formality of your event and location. There is also the decision of which music you should be walking down the aisle to, creating an amazing playlist that will get your guests on their feet and of course the first dance! Here are our choices for a first dance song;Top 5 First Dance Wedding Songs

Make You Feel My Love – Adele

You Are The Best Thing – Ray LaMontagne

Kiss Me – Ed Sheeran

The Way You Look Tonight – Michael Bublé

Better Together – Jack Johnson

N is for New
If you are following tradition in the sense of the rhyme “something old, something new, something borrowed and something blue” then this is your something NEW! You can include your wedding dress as your something new if it is made to order, or perhaps one of your bridal accessories or a fancy new pair of shoes. Let’s face it when it comes to your wedding there will be a whole heap of items that you can consider using to tick this box!

O is for Outdoor Wedding Venue
Weddings are often planned for the perfect weather, the most popular seasons for a wedding are spring and summer so that you can have great light for your wedding photographs and that you have the best chance of enjoying sunny spells outdoors with your guests over welcome drinks.Your outdoor wedding venue might be in a national park, flower garden, winery or a beautiful beach, whichever you choose for your outdoor wedding be sure to have a wet weather plan on hand, just in case!

P is for Photographer
Wedding photography for a lot of couples is a big box to tick. It is lovely to be able to capture your big day and all of that hard work into images that you can cherish for years to come. Choosing a photographer can be a daunting task, be sure to ask around for recommendations, view portfolios of previous work and get to know your photographer so that they learn to capture what is important to you. Looking at your photographs together as a family is a beautiful way to connect after the event, each image will tell its own story and each story will be a memory captured for life!

Q is for Quiz
The Mr & Mrs Quiz, the ultimate quiz that any bachelorette should have to complete on their ‘last night of freedom’..! It is a fun way for the maid of honor to connect with and get to know the groom before the event. She will prepare a series of questions that the groom will answer, things can of course get a little cheeky depending on the formality of the bridal shower or bachelorette party, the bride will then need to see how many answers she can match to the groom’s responses, often followed by a forfeit for every wrong answer.

R is for Reception
Wedding reception, this is the fun part, after you have nervously said your vows in front of your family and friends you can relax with food, drinks and dancing at your wedding reception. Wedding reception ideas include a formal sit-down meal, cocktail reception or a casual beach BBQ. You can usually leave this up to your wedding planner or venue to organise, that way you can enjoy the celebration and spending time with your guests.

S is for Save the Dates & Stationery
Your wedding announcement and first item of wedding stationery is your Save the Date! An ideal gift used for long engagements this is designed to be sent out to your guests well in advance of the formal invitation, once you have your date set you can mail these out so that your guests can save the date in their diary. Some popular methods of sending a save the date include; postcards, calendars, tickets, magnets, custom beer koozies and more.

T is for Table Plan
T is also for troublesome, often considered one of the most controversial parts of the wedding planning process, the dreaded table plan! Great aunt Joan cannot be near second cousin John and really you’d like to sit with your pals rather than follow the traditional top table style with your parents… at the end of the day this is your wedding and as a couple you should be able to choose a seating plan to suit your wedding formality and your guests.

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U is for Ushers
An usher, also known as a groomsman is normally a friend of the groom that has been recruited to direct guests at the ceremony, and generally be available to the bride and groom for assistance throughout the whole wedding event. The ushers would generally be dressed in the same wedding attire as the groom and best man and would feature in the formal wedding photographs alongside the bridesmaids.

V is for Vows
The exchange of wedding vows is an important part of your wedding ceremony. It can be a very romantic moment and often the perfect place to express your feelings for each other. Vows can be modern or traditional, led by a minister or celebrant, written for you or by you and can be tailored to your individual personalities.

W is for Wedding Dress
Almost every girls wedding dream begins with the dress! There are so many gorgeous styles available and all designed to suit different shapes and sizes… you can find the perfect wedding dress style amongst these… Ball gown, mermaid, A-line, Sheath. Strapless, V-neck, halter-neck, one-shoulder, illusion and more!Once you have found the perfect style, you can start to create a unique look through the color and density of the material, heavier fabrics such as brocade and jacquard or lighter materials like silk and chiffon, traditionally a wedding dress would be predominantly white or ivory in color, but these days anything goes!

X is for X -rated (entertainment at bachelor party)
Although it is not necessarily the way every groom will spend their last night of ‘freedom’, the bachelor party, as portrayed in the movie The Hangover, certainly has a reputation for being a night or indeed a weekend of debauchery! Some will go all out with a weekend in Vegas, but generally the party vibe will include trendy bars, nightclubs and, most importantly, strip clubs!Much like the bachelorette party, this is where the best man and other members of the bridal party will shine with ideas, organising embarrassing outfits for the groom, along with drinking games and dares! Gifts for the guys might include matching t-shirts, shot glasses, beer horns or custom beer koozies personalised for each of the guys!

Y is for Years
The number of years spent together, number of years engaged and then number of years married. Once your wedding day becomes a wonderful memory you have the many years of wedding anniversaries to look forward to and to celebrate. Each anniversary that passes will have a symbolic gift that is presented, there is both a traditional and modern gift here is the traditional list;

1st Paper

2nd Cotton

3rd Leather

4th Fruit/Flowers

5th Wood

10th Tin/Aluminium

15th Crystal

20th China

25th Silver

30th Pearl

35th Coral

40th Ruby

45th Sapphire

50th Gold

60th Diamond

Z is for Zero Regrets
In a perfect world, every bride and groom would have the perfect wedding with absolutely no mishaps. However, this is not the perfect world and every turn makes for a new story! Our only advice is to enjoy every minute of your special day, spend as much time with each guest as you possibly, and have zero regrets!

7 Reasons Why People Buy Darjeeling Tea Online

Darjeeling tea is loved around the world, and is grown in the aromatic tea region of the beautiful Himalayan mountain range in the city of Darjeeling. There are various types of blend of this tea, such as Green, Black, White and Oolong. The Darjeeling blends happen to be the favorite of everyone, due to their freshness, attractive aroma and light color. Makers of Darjeeling tea take a lot of care to preserve the amazing features of the blends of the area. Find out about the 7 main reasons why people love to buy Darjeeling tea online.1) Wow-worthy tasteThe fine taste of Darjeeling tea is the first thing that attracts so many tea drinkers to it. It tastes much like Muscat wine, and this is the reason why it is called the “Champagne of teas”. The blend has a fruity flavor and its musky, sweet notes make it one of a kind. These teas are available in different varieties, with floral sweet taste as well as a little astringent taste.

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2) Weight control benefitsTea from Darjeeling tea estates is a rich source of caffeine, which can prevent additional weight gain. The substance accelerates the metabolic rate and further increases the effectiveness of exercises. Any individual who wants to control his or her weight can benefit from the consumption of this type of beverage.3) Stress relieving propertiesThis kind of tea happens to be packed with catechins, a type of antioxidant and natural phenol that can improve blood pressure and offer relief from stress as well. These complex organic molecules can help reduce pain sensations. Regular consumption of the tea is important for people who would like to de-stress themselves amid the hectic activities of daily life.4) Preventing gastric disorderDarjeeling tea also helps improve gastric health. It can help heal gastric cancer as well as prevent the development of stomach ulcers. The brew reduces the proliferation of the bacteria known as Helicobacter Pylori, which can cause severe ulcers in the stomach. This kind of brew has plenty of health benefits, and tea traders in Darjeeling attempt to maintain the quality of various varieties.5) Making the immune system strongerDarjeeling tea is also extremely effective in improving the natural immunity. People who tend to catch cold or flu easily should consume at least 1 cup of Darjeeling brew on a daily basis. The tea contains a type of enzyme known as Theanine, which can improve the ability of the body to combat infections.

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6) Enhancing tooth healthOrganic Darjeeling tea, particularly of the black variety, can prevent the decay of tooth and reduce the formation of cavity. Daily intake of this tea blends can prevent the decay of tooth. Some studies indicate that the intake can help destroy cancer-causing organisms and help prevent oral cancer and other cancerous conditions.7) Preventing viral infectionsRecent research indicates that the consumption of black tea can eliminate germs, such as those that cause skin infections, cystitis, pneumonia, herpes and diarrhea. Some studies show that drinking black tea can neutralize viruses in the mouth.

What a Pharmacy Technician Does

What Does a Pharmacy Technician Do?I have been writing articles on why and how to become a pharmacy technician, but some recent feedback has made me realize I left out the obvious. What is it that pharmacy technicians do in a pharmacy? Most people figure they help the pharmacist enter prescriptions and count pills. This is true for an outpatient pharmacy, also called a retail pharmacy, but there are many roles for pharmacy technicians in healthcare. The rest of this article will list different types of pharmacy settings and the roles that pharmacy technicians have in these settings.Community/Retail Pharmacy:I have worked retail, and I prefer other settings; however, it is where a large percentage of pharmacy technician jobs are found. What a pharmacy technician can do is determined by the state they work via state laws and rules. In general, technicians cannot provide clinical information to patients or be the final check for prescriptions. In some states, technicians are allowed to provide information on over-the-counter (OTC) medication (ie, medications that do not require a prescription, such as, acetaminophen and ibuprofen). Pharmacy technician tasks include, but are not limited to:• Collecting patient information (insurance and personal information as needed)
• Entering and processing prescriptions in the computer system
• Filling and selling prescriptions
• Requesting refills from doctor offices for patients
• Compounding medications that are not commercially available
• Ordering medications
• Restocking shelves
• Answering the phone
• Working with insurance companies on approving payment for certain medications
• Maintaining the cash register and conducting accounting functionsHospital Pharmacy:There are many different roles for pharmacy technicians in a hospital pharmacy. I know this type of pharmacy best since this is where most of my work has been. The most common are technicians who work in the central pharmacy. In addition we have decentralized techs, sterile compounding techs, billing techs, OR techs, narcotic techs, database techs, automation techs, team lead techs, and buyer techs. These technicians as a whole perform the following tasks, but not limited to:

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• Filling new orders, this includes a variety of medications from oral medications to specially prepared sterile compound medications (including chemotherapy meds)
• Answering the phone
• Tubing medications (if the pharmacy has a pneumatic tube station)
• Preparing medications for delivery
• Delivering medications
• Assisting floor pharmacists with medication histories
• Assisting floor pharmacists with IV drip checks
• Handling missing dose calls
• Billing medications where nurse charting does not bill
• Maintaining the pharmacy database
• Restocking operating rooms and anesthesia trays with appropriate medication
• Dispensing and tracking all controlled substances throughout the hospital
• Maintaining automation equipment [automated dispensing cabinets that store medication on nursing units, automatic fill systems (typically called Robot-Rx)]
• Purchasing of all medication and supplies needed in the pharmacy
• Leading and managing the technician workforce, including upkeep of schedulesLong-Term Care Pharmacy:I have worked at a couple of long-term care pharmacies, and I think it is a great place to be a technician. They typically employee a lot of techs because the work load lends itself to a lot of technician tasks. These pharmacies provide the medication needs for nursing homes, assisted living facilities, and psychiatric facilities. The typical pharmacy is located in a warehouse. It does not have an open pharmacy for people to come to; they receive orders by fax and deliver all medications via couriers or drivers to facilities. The oral medication is filled in blister packs (cards of 30 tabs that are used to provide a 1 month supply of medication), or some other mechanism that provide the facility with an extended amount of medication doses that can be safely and cleanly kept until doses are due. Pharmacy technician tasks include, but are not limited to:• Filling new and refill orders (different from hospital because of the number of doses provided)
• Processing new order and refills coming through the fax machine
• Order entry of prescriptions and printing of labels for fill techs
• Sterile compounding of medications (although there aren’t as many sterile compounded medications as a hospital, there are still enough that most long-term care pharmacies have a few techs specialize in sterile compounding
• Billing medications to homes
• Controlled substance dispensing and documentation
• Ordering medications and supplies
• Restocking medications that are returned that are still suitable for reuse.Home Infusion Pharmacy:These pharmacies primarily care for patients that require some form of IV or other non oral medication, and want to receive the therapy at home (hence the name home-infusion). I have also worked in a home-infusion pharmacy. As a tech I had a lot of experience in sterile compounding, and found my self in any position that needed a IV room tech. Pharmacy technician tasks include, but are not limited to:• Compounding sterile preparations in the clean room
• Preparing supplies associated with sterile medication administration for delivery
• Billing medications delivered to patients home
• Coordinating deliveries of medications with patients
• Entering orders in the pharmacy order entry systemNuclear Pharmacy:No, I have not worked in a nuclear pharmacy (I am sure you were staring to think I got around quite a bit, but I have been in pharmacy for about 17 years). I have some friends who work in a nuclear pharmacy. The hours are interesting; they usually come in at about 3 AM and work until about noon. These types of pharmacies make radioactive compounds and they need to be made in a way that when they are delivered to the hospital or clinic administering them, that the dose has degraded to a specific amount. Without going into too much detail, these medications have short half-lives. So they have to time the compounding of the product with the time it takes to deliver the medication and the time the patient is to receive the dose. The job pays well, but as you can imagine, there are not a ton of these positions available. Pharmacy technician tasks include, but are not limited to:

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• Preparing radioactive products
• Cleaning and preparing sterile compounding areas
• Entering orders into the pharmacy system
• Coordinating dose due times with deliveries and preparation
• Billing products to hospital or clinicHealth Plans/HMO Pharmacy Group:I saved this one for last because it is a lot different. Most healthcare plans have a pharmacy department. They manage the pharmacy benefit of the health plan. I have worked with my companies health plan and have spent some time with the pharmacy department. Pharmacy technician tasks include, but are not limited to:• Answering phone calls and providing support for patients on the pharmacy benefit
• Reviewing prior authorization requests
• Providing support to physicians and drug companies for information requests
• Supporting the pharmacists in the department with database and projects as neededAs you can see, pharmacy technician roles can be very diverse. The best advice I can give you is to figure out what setting you would most like to work in and obtain some experiential hours in that setting. I have found that the type of pharmacy you train in is typically the type of pharmacy you end up working in.

World’s Top Golf Resorts: Train and Play for Your Vacation!

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:Airfare
Resort Accommodations
Confirmed Tee Times
Prepaid Green Fees
Shared Cart for 18 Holes
Equipment Rental
Golf Lessons
Meals at Exclusive Restaurants
Transfers to the Course
Transfers to the Airport
All Taxes and Service ChargesGolf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States–Sandpiper Bay, Florida.

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Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called “golf hotels,” among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and “golf tuition” packages for all levels.Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California’s famous “Pebble Beach” golf resort, called Bajamar, only a few hours’ drive from San Diego in Ensenada.For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink’s which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let’s review these states for their best locations:In sunny, always temperate Florida, Club Med’s Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.
Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.
In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!
Another golfer’s paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.
Las Vegas, Nevada, is quietly emerging as one of the United States’ fastest growing golf destinations amidst the glitz and glamour of its casinos. The city’s huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.
CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin’s golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek’s top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

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Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!(c) 2012 Elizabeth McMillian