My Childhood Dream - Free Essay Example

Welcome to Fatima Elmaleh Pharmacy, something young me would always say playing with family and friends. Since I was very little I would play pharmacy with friends, and I was always Dr. Fatima the pharmacist, I would hear the patients aka my friends and make them a medicine that would make them feel better on the spot. Growing up I dreamt about becoming a pharmacist, and I had that dream with the desire of helping people out, not because of the monetary value and the amount of money received in this career. It was just out of the desire to help, make people feel better, and happier too. A lot of people dream about changing the world, but a big majority of those people dont want to go through all the things that it takes to make that change. The process of becoming a pharmacist is fairly lengthy. To practice pharmacy, you would have to earn a Doctor of Pharmacy degree which is about 4 year of school, and before you do so you have to maintain really high grades in undergraduate related courses. You can also get into Pharm D. programs after only 2-3 years of undergraduate school, but you can also choose to earn your bachelors degree first which makes the education period 8 years total. That easy? The undergraduate school then I go to Pharm.D. program. Well, bad news in order to get into a Pharm.D. program you have to take an admission test called the PCAT, and that alone consists of 6 different sections and is approximately 4 and a half hours. All this process is the number one reason why people that want to pursue a pharmaceutical career change their mind, but in the end, hard work will pay off. The average Pharmacist makes about $124,170 per year, and thats not even the highest. The highest paid Pharmacist makes more than $157,950 a year, even the lowest paid pharmacists are paid big bucks, we are talking $90,000 a year. So yes it is a long and tough road, but in the end, it truly does pay off. Pharmacists dont just need to know how to count and bottle pills. It is true that Pharmacists do give you medications that the doctor orders, but they also work directly with patients and physicians to assign the right medication, and that requires both social and analytical skills. Also, they need to have a great memory with all the different drugs, and their side effects so they can instruct patients and what medicines to take, time and doses that they should take as well, and this requires memorization and counseling skills. A key skill that is necessary to becoming a successful Pharmacists, is the interest in continuing education. They must keep up with all the new research done related to the field.

2013 Five-year Top Performing Direct Plans Q1

Savingforcollege.com ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year, five-year and ten-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking. This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you. Here are our 529 performance rankings as of March 31, 2013 for Direct-sold 529 plans. Five-year performance ranking (click here for one-year performance table and three-year performance table, and ten-year performance table): Rank State Plan Percentile 1 Nevada USAA 529 College Savings Plan 13.68 2 Utah Utah Educational Savings Plan (UESP) Trust 25.72 3 New York New York's 529 College Savings Program -- Direct Plan 29.07 4 Florida Florida 529 Savings Plan 29.70 5 Kansas Schwab 529 College Savings Plan 30.62 6 Alaska University of Alaska College Savings Plan 32.39 7 Alaska T. Rowe Price College Savings Plan 33.65 8 Pennsylvania Pennsylvania 529 Investment Plan 33.99 9 Maryland College Savings Plans of Maryland -- College Investment Plan 35.73 10 Michigan Michigan Education Savings Program 36.40 11 Ohio Ohio CollegeAdvantage 529 Savings Plan 36.93 12 Nevada The Vanguard 529 Savings Plan 37.58 13 Louisiana START Saving Program 38.60 14 Colorado Direct Portfolio College Savings Plan 39.35 15 Iowa College Savings Iowa 39.52 16 Hawaii Hawaii's College Savings Program 40.24 17 District of Columbia DC 529 College Savings Program (Direct-sold) 40.54 18 Virginia Virginia529 inVEST 41.06 19 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 41.96 20 South Dakota CollegeAccess 529 (Direct-sold) 42.68 21 Arkansas GIFT College Investing Plan 42.76 22 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 42.85 23 New Jersey NJBEST 529 College Savings Plan 44.33 24 Oklahoma Oklahoma College Savings Plan 44.85 25 Maine NextGen College Investing Plan -- Client Direct Series 45.01 26 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 46.66 27 West Virginia SMART529 Select 48.24 28 Minnesota Minnesota College Savings Plan 49.11 29 Kentucky Kentucky Education Savings Plan Trust 49.36 30 North Dakota College SAVE 50.11 31 Vermont Vermont Higher Education Investment Plan 52.33 32 Idaho Idaho College Savings Program (IDeal) 52.36 33 West Virginia SMART529 WV Direct 53.99 34 Connecticut Connecticut Higher Education Trust (CHET) 54.07 35 Illinois Bright Start College Savings Program -- Direct-sold Plan 54.70 36 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 60.73 37 Massachusetts U.Fund College Investing Plan 66.58 38 Texas Texas College Savings Plan 66.66 39 Delaware Delaware College Investment Plan 66.75 40 Arizona Fidelity Arizona College Savings Plan 66.82 41 New Hampshire UNIQUE College Investing Plan 66.97 42 New Mexico The Education Plan's College Savings Program (Direct-sold) 87.29 - Alabama College Counts 529 Fund (Direct-sold) NA - California The ScholarShare College Savings Plan NA - Georgia Path2College 529 Plan NA - Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA - Mississippi Mississippi Affordable College Savings (MACS) Program NA - Montana Montana Family Education Savings Program Investment Plan NA - Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA - Nebraska TD Ameritrade 529 College Savings Plan NA - Nevada SSgA Upromise College Fund NA - North Carolina National College Savings Program NA - Oregon Oregon College Savings Plan NA - Tennessee TNStars College Savings 529 Program NA - Wisconsin Edvest College Savings Plan NA NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model. The Savingforcollege.com plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers, please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Saving For College, LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For broker-sold plan rankings, click here. Savingforcollege.com ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year, five-year and ten-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking. This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you. Here are our 529 performance rankings as of March 31, 2013 for Direct-sold 529 plans. Five-year performance ranking (click here for one-year performance table and three-year performance table, and ten-year performance table): Rank State Plan Percentile 1 Nevada USAA 529 College Savings Plan 13.68 2 Utah Utah Educational Savings Plan (UESP) Trust 25.72 3 New York New York's 529 College Savings Program -- Direct Plan 29.07 4 Florida Florida 529 Savings Plan 29.70 5 Kansas Schwab 529 College Savings Plan 30.62 6 Alaska University of Alaska College Savings Plan 32.39 7 Alaska T. Rowe Price College Savings Plan 33.65 8 Pennsylvania Pennsylvania 529 Investment Plan 33.99 9 Maryland College Savings Plans of Maryland -- College Investment Plan 35.73 10 Michigan Michigan Education Savings Program 36.40 11 Ohio Ohio CollegeAdvantage 529 Savings Plan 36.93 12 Nevada The Vanguard 529 Savings Plan 37.58 13 Louisiana START Saving Program 38.60 14 Colorado Direct Portfolio College Savings Plan 39.35 15 Iowa College Savings Iowa 39.52 16 Hawaii Hawaii's College Savings Program 40.24 17 District of Columbia DC 529 College Savings Program (Direct-sold) 40.54 18 Virginia Virginia529 inVEST 41.06 19 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 41.96 20 South Dakota CollegeAccess 529 (Direct-sold) 42.68 21 Arkansas GIFT College Investing Plan 42.76 22 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 42.85 23 New Jersey NJBEST 529 College Savings Plan 44.33 24 Oklahoma Oklahoma College Savings Plan 44.85 25 Maine NextGen College Investing Plan -- Client Direct Series 45.01 26 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 46.66 27 West Virginia SMART529 Select 48.24 28 Minnesota Minnesota College Savings Plan 49.11 29 Kentucky Kentucky Education Savings Plan Trust 49.36 30 North Dakota College SAVE 50.11 31 Vermont Vermont Higher Education Investment Plan 52.33 32 Idaho Idaho College Savings Program (IDeal) 52.36 33 West Virginia SMART529 WV Direct 53.99 34 Connecticut Connecticut Higher Education Trust (CHET) 54.07 35 Illinois Bright Start College Savings Program -- Direct-sold Plan 54.70 36 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 60.73 37 Massachusetts U.Fund College Investing Plan 66.58 38 Texas Texas College Savings Plan 66.66 39 Delaware Delaware College Investment Plan 66.75 40 Arizona Fidelity Arizona College Savings Plan 66.82 41 New Hampshire UNIQUE College Investing Plan 66.97 42 New Mexico The Education Plan's College Savings Program (Direct-sold) 87.29 - Alabama College Counts 529 Fund (Direct-sold) NA - California The ScholarShare College Savings Plan NA - Georgia Path2College 529 Plan NA - Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA - Mississippi Mississippi Affordable College Savings (MACS) Program NA - Montana Montana Family Education Savings Program Investment Plan NA - Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA - Nebraska TD Ameritrade 529 College Savings Plan NA - Nevada SSgA Upromise College Fund NA - North Carolina National College Savings Program NA - Oregon Oregon College Savings Plan NA - Tennessee TNStars College Savings 529 Program NA - Wisconsin Edvest College Savings Plan NA NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model. The Savingforcollege.com plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers, please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Saving For College, LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For broker-sold plan rankings, click here.