Tag: describe

Describe a Cash Card.

An electronic payment card that can hold cash for different kinds of transactions is called a cash card. Payroll cards, bank debit cards, prepaid debit cards, and gift cards are examples of cash cards. Since credit cards are a type of debt rather than cash, they are not included.

Read More: 카드현금화

The Operation of Cash Cards

Cash cards offer users a practical means of making electronic payments. Generally, you can use standard branded cash cards at any merchant that accepts the network processor. There might be restrictions on how alternative cash cards can be used.

The most prevalent kind of traditional cash card is the banking debit card. Usually, a financial institution’s bank account is connected to these cards. They enable electronic payments to be made by cardholders that take money out of their bank accounts.

Moreover, standard cash cards make it simple to take out cash from an account at an ATM. ATM transactions using a cash card linked to a bank checking account are typically free if done at an ATM run by or connected to a bank.

Another kind of typical cash card is a gift card. These cards can be purchased at specific retailer locations, convenience stores, and grocery stores. They come pre-loaded with cash. Certain gift cards can only be redeemed at specific retailers, like Costco or Subway. Other gift cards, like those from American Express, Visa, and MasterCard, can be bought in different amounts and used anywhere that accepts them for a fee. These gift cards can also be obtained in different denominations.

Cash Card Types

There are also a number of different cash cards with different conditions and functions. Generally referred to as prepaid cards, these cards offer a cash card that isn’t connected to a bank account, which helps to support the underbanked population. Another kind of cash card that employers can give their staff members is a payroll card.

Cards for Payroll

One kind of cash card that an employer may offer is a payroll card. Employers provide payroll cards as a benefit to their staff members by forming alliances with providers of prepaid debit cards. They’ll let an employer credit an employee’s payroll debit card on a prearranged basis.

These payments give the cardholder instant access to funds through a straightforward type of direct deposit. Payroll cards give employees easy access to their earnings and are simple to integrate into an employer’s payroll system. These cards function similarly to debit cards and carry a balance from month to month.

Square Debit Card

One of the top suppliers of prepaid cash card services and cash cards is Square. Cash Card is the brand name of the debit card that Square provides. Square’s mobile payments app, Cash App, is the source of this service. With Square’s Cash Card, customers can buy any kind of electronic product.

Credit Card Cash Withdrawal: Dos and Don’ts

Your best option for some extra cash at the end of the month might be a credit card cash advance. The best part is having access to funds right away without having to worry about submitting paperwork and waiting for a bank’s approval. The cash limit, which is a portion of the card’s total credit limit, is determined by the card issuer and determines how much you can withdraw.

There are, however, certain terms and conditions associated with this feature that one needs to be aware of. Here is a list of things to think about when using a credit card to withdraw cash.

Fees

Although it is well known that credit cards have fees and interest, using a credit card to make cash withdrawals can be expensive. These fees are associated with these loans:

The fee that is assessed each time you use your credit card to withdraw cash is known as the cash advance fee. It is shown on the billing statement and usually varies from 2.5% to 3% of the transaction amount, with a minimum of Rs 250 to Rs 500.

Finance charges apply to both cash withdrawals and regular credit card transactions. The fee is assessed starting on the transaction date and continuing until the repayment is completed.

Interest

A monthly percentage rate, usually between 2.5% and 3.5%, is applied to interest charges. With interest rates ranging from 1.99% to 3.5% monthly and from 23.88% to 42% annually, credit cards have some of the lowest rates available. Cash withdrawals do not have an interest-free period like regular transactions do; instead, fees begin to accrue on the day of the transaction and continue until the balance is paid in full.

ATM charge

Depending on the location, you may be eligible for up to 5 complimentary ATM transactions each month as a credit card user. You will be assessed an ATM maintenance or interchange fee if you go over this limit. The cost for each cash withdrawal was Rs 15 until recently. But the bank changed it to Rs 17 per withdrawal as of August 1. The fee for transactions that aren’t in cash has increased from Rs. 5 to Rs. 6. The sums do not include taxes. Your credit card will be billed for the amount, and your credit card statement will show it.

Fee for late payments

There are late payment penalties, which can range from 15% to 30% of the outstanding balance, if you don’t pay back the entire amount. Credit cards have comparatively low overdue interest rates when compared to their competitors.

Recognize the fees your bank is charging and decide if it’s worth it to pay them.

Credit rating

Although obtaining a cash advance might not have an effect on your credit score, the high fees related to cash withdrawals increase your monthly payments. Making only the minimum payment required can have a negative impact on your credit score. Make sure to send in your payments on schedule!

Points for Rewards

The majority of banks reward credit card users. This could take the shape of offers, presents, or other discounts. Banks design special initiatives to encourage credit cardholders to use their cards for purchases, dining out, travel, and other activities. You can accumulate Reward Points by using your credit card in these ways. These points can then be exchanged for gift cards, cash gifts, airline miles, and other items. It is advisable to choose a cash advance when you are in dire need of money because using your credit card to withdraw cash might prevent you from earning any reward points.

The following benefits come with using the cash advance feature on credit cards:

Usability

You can use a credit card cash advance whenever it’s convenient for you. Moreover, there isn’t any bothersome paperwork, in contrast to all other loans.

Receive incentives

While only applicable in certain situations, you might get offers and rewards in the form of CashBack, Reward Points, and other things based on the credit cards you own.

Overview

A brain ailment that worsens over time is Alzheimer’s disease. It is typified by alterations in the brain that result in protein accumulation. Alzheimer’s disease results in the ultimate death of brain cells and shrinkage of the brain. The most prevalent cause of dementia, which is characterized by a progressive loss of memory, thinking, behavior, and social skills, is Alzheimer’s disease. The way a person functions is impacted by these changes.

Read More: Oren Zarif

In the US, 6.5 million adults 65 years of age and older have Alzheimer’s disease. Over 70% of them are 75 years of age or older. 60% to 70% of the approximately 55 million persons with dementia globally are thought to have Alzheimer’s disease.

The inability to recall recent conversations or occurrences is one of the disease’s early symptoms. It eventually leads to severe memory loss and the inability to carry out daily duties.

Medication may help symptoms get better or slow them down. Services and programs can be used to support individuals with the illness and those who care for them.

Alzheimer’s disease does not have a cure. Severe brain damage at an advanced level might result in infection, starvation, or dehydration. There is a chance of death from these issues.

Significance

The primary sign of Alzheimer’s disease is memory loss. Memory loss from recent discussions or experiences is one of the early warning signals. But as the illness worsens, memory deteriorates and new symptoms appear.

An individual suffering from the illness may initially be conscious of difficulties with memory and cognitive function. A friend or family member may be more likely to identify problems if symptoms worsen.

Alzheimer’s disease-related brain abnormalities cause increasing problems with:

Recall

While occasional memory loss is common in everyone, Alzheimer’s disease-related memory loss is persistent and worsens with time. Memory loss gradually impairs one’s capacity to operate at home or at work.

Individuals suffering from Alzheimer’s may:

Rephrase questions and comments several times.

Forget meetings, discussions, and activities.

Items are frequently misplaced and placed in odd locations.

Become lost in areas they used to be familiar with.

Names of regular things and family people eventually slip your mind.

struggle to articulate ideas, describe objects, or participate in discussions with the appropriate language.

Reasoning and contemplating

Alzheimer’s disease impairs one’s ability to focus and think clearly, particularly when it comes to abstract ideas like numbers.

Managing many tasks at once is very challenging. Keeping track of funds, balancing checkbooks, and making on-time bill payments may be difficult. A person suffering from Alzheimer’s disease may eventually lose their ability to identify and manipulate numbers.

Forming conclusions and judgments

Decision-making and judgment in daily life become increasingly difficult when one gets Alzheimer’s disease. For instance, a person could dress inappropriately for the weather or make bad decisions in social situations. Someone may find it more difficult to react to common issues. For instance, the person could be incapable of making judgment calls when driving or dealing with food burning on the stove.

Organizing and carrying out routine duties

Simple tasks that need to be completed sequentially become difficult. This may be preparing and preparing a meal or engaging in a beloved activity. Advanced Alzheimer’s patients eventually lose the ability to do simple activities like getting dressed and taking a shower.

Retained abilities

People with Alzheimer’s disease are able to retain certain skills even as their symptoms worsen, despite significant changes to their memory and cognitive abilities. Reading, listening to literature, telling tales, sharing experiences, dancing, singing, sketching, and crafting are examples of preserved talents.

Because these abilities are governed by brain regions that are impaired later in the course of the disease, they could be retained longer.

When to visit a physician

There are several illnesses that might cause memory loss or other symptoms of dementia. A few of such ailments are treatable. See a healthcare provider if you have concerns about your memory or other cognitive abilities.

Discuss your worries and inquire about visiting a health care provider jointly if you are worried about the cognitive abilities you see in a friend or family member.

During the recruiting process, a recruiter seeks for suitable applicants for a position and tries to satisfy the needs of both the company and the individual. The entire talent acquisition process is within the recruiter’s control. Among the recruiter’s primary duties are the following:

Read More: Glass recruiter

meeting with the hiring manager following the opening of a new job demand by the company

locating and attracting applicants, vetting them beforehand, and bringing the hiring manager’s attention to those who fit the position

acting as the employee brand ambassador and requesting employee recommendations from both internal and external sources

acting as the primary point of contact for each party during the cooperative employment process

carrying out background checks and reference checks

Overseeing the employment offer procedure

Take part in the onboarding process for new hires to guarantee they are ready to start working.

Although the recruiter is frequently counted on to ensure that the transactional phases of the talent acquisition process go smoothly, a great recruiter also prioritizes developing rapport with both hiring managers and prospects.

In the end, recruiters aid in job placement. But they may also assist applicants with refining their resumes, getting ready for interviews, and handling wage negotiations.

Do recruiters really help job seekers find positions?

Not quite. Hiring choices are not made by recruiters. That is under the hiring manager’s purview. Moreover, recruiters work for the company that is trying to fill a position since they are paid by it. Stated differently, recruiters do not work for applicants. So, their role is to assist a business in filling a vacancy, not to assist you in finding employment.

Is a profession in recruitment rewarding?

Yes, for the appropriate individual. It is common for recruiters to have unique personalities. Typically, they are self-assured, outgoing, forceful, passionate, and ambitious. They are also very driven by themselves and persuasive. inspiring.

Even if you think you have many of the traits that recruiters have, you should think about the type of workplace that recruiters operate in. Some recruiters have typical office settings where job seekers can see them while they work for an employment agency. Some recruiters are employed by brokers, which implies that the company they work for is a representative of several recruiting firms. Conversely, recruiters employed by executive search companies frequently visit conferences, trade exhibits, and college career fairs in search of suitable applicants.

Questions to pose to an employer

In order to make sure that your working relationship with a recruiter maximizes your requirements, here are some crucial questions you should put in their lap while looking for your next job:

For what duration have you been hiring in this field? How is it doing with your present company?

Which recruitment specialization do you have?

Why do you believe I’d be a good fit for the position we are talking about?

What are some of the most pressing issues that [the concerned organization] is now dealing with?

What background information about the other applicants can you provide me with?

In the previous several months, how many persons with my background have you assisted in placing?

I would want to inquire about your past clients’ experiences. Can I talk with some of them?

Types of candidates

A wide variety of recruiters exist. But it’s crucial to keep in mind that they may all be divided into two groups: internal and external.

Recruiters who work for their organization are known as internal, or in-house, recruiters. Internal recruiters may have different obligations when it comes to recruitment, but they only work for the company they represent. A few internal recruiters could handle hiring for the whole company. Others could hire for certain positions inside it, particularly in large companies. Typically, internal recruiters receive pay compensation.

Depending on how they are compensated, external, or agency, recruiters operate independently as headhunters, search consultants, or sourcers. External recruiters are employed by staffing businesses and organizations that assist several companies in filling open positions.

External recruiters frequently have a focus on a particular region, industry, profession, job level (e.g., executives), or a mix of these. Some businesses, referred to as temp agencies, focus on hiring people to cover temporary job openings.

Hiring manager against headhunter versus recruiter

Professional recruiters, headhunters can operate alone or as part of a staffing company. Stated differently, they are outside recruiters who alert internal recruiters or companies seeking to fill positions to qualified applicants. Internal recruiters often work for a single firm.

Building a good prospect pool is the recruiter’s responsibility in relation to hiring managers. In addition, they provide hiring managers with interviewing skills training and support during the hiring process. Additionally, recruiters frequently suggest and carry out efficient evaluation techniques to aid in the assessment of applicants. Hiring managers assess the pool of prospects, select the top applicant, and request further candidates from the recruiter as needed. Go here to learn more about hiring managers.

The area of medicine known as psychiatry is dedicated to the identification, management, and avoidance of mental, emotional, and behavioral problems.

Read More: online psychiatry services

A psychiatrist is a physician with a medical degree (M.D. or D.O.) who focuses on mental health issues, such as drug abuse problems. Psychiatrists are equipped to evaluate psychiatric issues from both a mental and physical perspective.

People consult psychiatrists for a variety of reasons. The issues may appear out of the blue and include panic attacks, terrifying hallucinations, suicidal thoughts, or hearing “voices.” Alternatively, they could be longer-lasting, such persistent melancholy, hopelessness, or anxiety; they could even be functioning issues that make life seem twisted or uncontrollable.

Making Patient Diagnoses

Psychiatrists are medical professionals with the ability to order and conduct a wide range of laboratory and psychological tests. These tests, when paired with patient consultations, can assist paint a picture of a patient’s physical and mental health. Their education and clinical experience have given them the tools they need to diagnose patients, assess medical and psychological data, comprehend the complex relationships between mental health conditions and other medical illnesses, and work with patients to create treatment plans.

The Diagnostic and Statistical Manual of Mental Disorders (DSM-5) published by the American Psychological Association (APA) defines specific illnesses and includes symptoms, descriptions, and other diagnostic criteria.

Which Therapies Are Employed by Psychiatrists?

Depending on the needs of each patient, psychiatrists employ a range of treatments, such as different talk therapies, drugs, psychosocial interventions, and other treatments (such electroconvulsive therapy, or ECT).

Psychotherapy, often known as talk therapy, is a type of treatment in which the patient and therapist converse with one another. It may be applied to a wide range of emotional problems and mental illnesses. Psychotherapy aims to improve the patient’s functioning by reducing or eliminating incapacitating or bothersome symptoms. Treatment can take many sessions over a week or two, depending on how serious the issue is, or it might take many sessions over several years. Psychotherapy can be conducted in a group setting, as well as alone, with a family, and in pairs.

Psychotherapy comes in various ways. Psychotherapies can assist patients in altering their thoughts or behaviors; they can also investigate how past events and relationships have influenced their current behavior; and there are psychotherapies specifically designed to assist patients in resolving other issues. Problem resolution is the main emphasis of goal-oriented cognitive behavior therapy. Individual psychotherapy in the intense style of psychoanalysis necessitates several sessions spread over several years.

Psychiatrists typically employ drugs in a similar manner to those who treat diabetes or high blood pressure. Psychiatrists can prescribe medicine to assist treat mental problems after conducting comprehensive assessments. Psychiatric drugs may alter chemical signaling and communication in the brain, which may lessen some symptoms of mental illnesses, even if their exact mode of action is still unclear. Patients receiving long-term drug therapy must schedule routine check-ups with their psychiatrist in order to assess the medicine’s efficacy and any possible adverse effects.

Classes of Medications

Antidepressants are used to treat eating disorders, obsessive-compulsive disorder, PTSD, anxiety, panic disorder, and depression.

Antipsychotic drugs are used to treat bipolar disorder, schizophrenia, and psychotic symptoms such as delusions and hallucinations.

Anxiety and sleeplessness are treated with sedatives and anxiolytics.

Using hypnosis, one may both initiate and sustain sleep.

Mood stabilizers: they are used to address bipolar illness.

Stimulants are a treatment option for ADHD.

Medication is frequently prescribed by psychiatrists in addition to psychotherapy.

Procedures done when medicine and psychotherapy fail to return a patient to full health are referred to as interventional psychiatry. The most common reason for using electroconvulsive therapy (ECT), a medical procedure that involves delivering electrical currents to the brain, is to treat severe depression that has not improved with previous therapies. Some of the more recent treatments for mental health illnesses include transcranial magnetic stimulation (TMS), deep brain stimulation (DBS), vagus nerve stimulation (VNS), and ketamine therapy. Psilocybin is one of the psychedelic substances that is being researched for possible future medical uses.

Training in Psychiatry

A person must complete four years of psychiatry residency after graduating from medical school, passing a written test to get a state license to practice medicine, and becoming a psychiatrist. To put it another way, being a general adult psychiatrist normally requires 12 years of schooling after high school, while becoming a child and adolescent psychiatrist may require up to 14 years. Usually, the first year of residency training is spent working with patients who have a variety of medical conditions at a hospital. After that, the psychiatrist-in-training studies mental health diagnosis and treatment for a minimum of three more years. This includes learning about different types of psychotherapy, using psychiatric drugs, and other therapies. Training is conducted in community settings like primary care offices, as well as in hospital and emergency department settings.

Most psychiatrists who have finished their residency training sit for an optional written and oral test administered by the American Board of Psychiatry and Neurology in order to earn the title of “board certified” psychiatrist. After every ten years, they have to recertify.

Psychiatrists Work Where?

Psychiatrists are employed in a wide range of environments, such as emergency rooms, private practices, clinics, academic health centers, general and psychiatric hospitals, community agencies, courts and prisons, nursing homes, industry, government, and military settings. The majority of psychiatrists in the United States operate in numerous settings, with around half of them having their own private offices. In the US, there are around 45,000 psychiatrists.

What Distinguishes a Psychologist from a Psychiatrist?

A psychiatrist is a medical professional with specialized training in psychiatry who has finished medical school and residency. A psychiatrist can administer drugs and other medical therapies in addition to doing psychotherapy.

A psychologist often holds a graduate degree in clinical psychology, although they can also have substantial training in clinical psychology or research. Psychologists use psychotherapy to address mental health issues, while some focus on psychological assessment and testing.

Attention Deficit Hyperactivity Disorder is referred to as ADHD. It is an illness of the health. Disturbances in brain growth and activity impact self-control, attention span, and sitting still in an individual with ADHD. ADHD can impact a child’s relationships with peers, family, and school.

Read More: ADHD

Which Symptoms Indicate ADHD?

Every child has moments when they find it difficult to focus, listen, and obey instructions, to sit quiet, or to wait their turn. However, these difficulties are more severe and frequent in children with ADHD.

Signs of ADHD in children can appear in any or all of these domains:

careless. Children that are inattentive (quickly distracted) struggle to maintain concentration, concentrate, and stay on target. They might not pay close attention to instructions, they might overlook crucial information, and they might not complete tasks. They can linger too long or daydream. They could appear disoriented or forgetful and misplace their belongings.

agitated. Hyperactive children are quickly bored, restless, and fidgety. They could find it difficult to remain still or silent when necessary. They could move quickly and make thoughtless errors. When they shouldn’t, they might roughhouse, climb, or leap. They could behave in ways that disturb others without intending to.

rash. Impulsive children act without fully considering their actions. They find it difficult to wait, frequently interrupt, and may even push or grab. They could act in an unsafe manner, steal items that are not theirs, or do activities without asking permission. They could exhibit emotional responses that appear excessively strong given the circumstances.

When a kid is very young, parents and teachers may discover early indications of ADHD. However, being impulsive, restless, irritable, or distracted in young children is typical and does not always indicate that an ADHD diagnosis is made.

Children gradually gain self-control, attention, and activity as they become older. It is teachers and parents that assist children in learning these abilities. However, some children never really improve in the areas of listening, focusing, calming down, or waiting. ADHD may be the culprit if these symptoms persist and start to cause issues at home, at school, or with friends.

Why Does ADHD Occur?

What causes the brain variations associated with ADHD is unknown. Strong data suggests that ADHD is primarily hereditary. A parent or other close relative suffers with ADHD in many children. Additionally, children who were born prematurely, are exposed to pollutants in the environment, or had drug usage during their mother’s pregnancy may be more susceptible to it.

How Can ADHD Be Identified?

Schedule a visit with your child’s physician if you suspect that they may have ADHD. To make sure the symptoms aren’t being caused by anything else, they will do a checkup that includes a vision and hearing test.

Doctors first inquire about a child’s activity, behavior, and health in order to diagnose ADHD. They discuss the observations they have made with parents and children. In addition to asking you to fill out behavior checklists for your kid, your doctor may also require you to provide a checklist to your child’s teacher.

Doctors diagnose ADHD after learning this information if it is evident that:

When a youngster exhibits hyperactivity, impulsivity, or difficulty paying attention, it goes beyond what is typical for their age.

The youngster has exhibited these characteristics since they were very little.

Both at home and at school, the child’s behaviors have an impact.

A health check confirms that the issues aren’t being caused by another health or learning concern.

Learning difficulties, oppositional and rebellious behaviors, as well as mood and anxiety issues, are common in children diagnosed with ADHD. These are typically treated by doctors in addition to ADHD.

If necessary, the doctor might recommend a child psychologist or psychiatrist for you.

How Do They Treat ADHD?

Typical ADHD treatment consists of:

health care. This stimulates the brain’s capacity for focus, relaxation, and increased self-control.

behavior modification. Children with ADHD who struggle with social, emotional, and planning abilities might benefit from therapy.

parental guidance. Parents can discover the best methods to handle behavior issues associated with ADHD through coaching.

School support. Teachers can assist students with ADHD perform effectively and have a better school experience.

The proper care aids in the improvement of ADHD. Younger children can learn how to better control their attention, conduct, and emotions from their parents and instructors. Children should develop better self-control and attention spans as they become older.

Children with ADHD may find it difficult to succeed if they are not addressed. Low self-esteem, melancholy, oppositional conduct, academic failure, risk-taking behavior, or family strife might result from this.

How Can Parents Offer Assistance?

If an ADHD diagnosis is made for your child:

Participate. Study as much as you can about ADHD. Observe the course of care that your child’s physician prescribes. Attend every scheduled therapy appointment.

Administer medications in a secure manner. Give your child’s ADHD medication at the prescribed time and dosage every time. Keep medications in a secure location.

Involve the school of your child. Inquire with teachers if your kid needs a 504 plan or an IEP. Consult with instructors often to learn about your child’s progress. Collaborate to support your child’s success.

Warm and purposeful parenting. Find out which parenting styles help a child with ADHD the most and which might exacerbate the condition. Have frank and encouraging conversations with your child about ADHD. Pay attention to your child’s good traits and strengths.

Link up with people to get awareness and support. Sign up for an ADHD support group like CHADD to receive information on treatment updates and other things.