| How to Make an International Wire Transfer Posted: 25 Sep 2016 05:00 PM PDT Wire transfers are a type of electronic funds transfer. They are usually considered the safest way to transfer funds, especially large amounts, to banks in countries overseas. Most large banks belong to a bank network in Belgium called the Society for Worldwide Interbank Financial Telecommunications (SWIFT)[1] that helps to verify and process financial messages, including wire transfers. In order to make a wire transfer to another country, you will need to get some information from the recipient and pay a fee to your bank to process the transfer. EditMaking an International Wire Transfer Online - Log into your online banking profile. Before you can do an international wire transfer, you will need to have online banking services set up through your bank. Use your username and password to log into your online banking profile and complete a wire transfer from the comfort of your home.
- Look for a wire transfer option. Most major banks have an online wire transfer option. Do a search for international wire transfer options on your bank's website, or look for the wire transfers section on the top toolbar of your bank's website.
- If you cannot locate the online wire transfer page, call your bank for more information. They can direct you to the right page.
- Activate your wire transfer limit. Some banks require you to specify a limit for international wire transfers, as transfers over a certain amount (usually $5,000) require you to call your bank to authorize a large transfer.[2]
- You may then need to confirm your identity by agreeing to have your bank send an access code to your cell phone. You will use this access code to activate your wire transfer limit. You can then start making international wire transfers online.
- Enter in the recipient's banking information. To complete an international wire transfer, you will need specific information from the recipient of the transfer, including:[3]
- The full name and address of the recipient's bank.
- The recipient's name, address, and account name (savings, checkings, money mart, etc).
- The recipient's account number, or International Bank Account Number (IBAN). Your recipient should be able to get this information from their bank, or from their banking statement. The recipient's account number will depend on where their bank is located in the world. For example, an account number at a Canadian bank will appear differently than an account number at an Australian bank.[4]
- The recipient's bank's SWIFT/BIC code. Your bank will require the recipient's bank's SWIFT/BIC code in order to identify which bank they are transferring your money to. The recipient should be able to get their bank's SWIFT/BIC code by asking their bank for this information. Your bank may also be able to locate the recipient's SWIFT/BIC code based on the recipient's account information.[5]
- Specify the currency and amount of the transfer. The recipient's country's currency should appear automatically once you enter in the recipient's information. But if you want to change the currency to a specific one, use the dropdown menu to adjust it. You can then choose the account you are transferring the money from, and enter in the amount of money you would like to wire transfer.
- Most banks encourage you to transfer money in the currency of the recipient's country. If you are not sure what the recipient's currency is, you can send the amount in U.S. or Canadian dollars.[6]
- Pay your bank's fee for processing an international wire transfer. Most banks charge an international wire transfer fee ranging from $40-$50 per transfer. A list of fees for the top 10 U.S. banks can be found here.
- The receiving bank may also charge a small fee to process the wire transfer, ranging from $10-$20. The recipient of the transfer can ask their bank about the exact fee for receiving and processing a wire transfer.The recipient would then pay the processing fee for their bank to process the transfer.
- Check how long it will take for the wire transfer to go through. Most banks estimate between one to two days for wire transfers to go through. However, your bank should specify how long the transfer will take at the end of your online session.
- You can check the status of the wire transfer by logging into your online bank account and looking up the wire transfer. There should be a note when the transfer has gone through successfully.
EditMaking an International Wire Transfer In Person - Call your bank to confirm they do wire transfers in person. Most major banks are able to process wire transfers in person at a branch location. However, you should confirm with your bank that they do this in person service.
- Bring in the recipient's banking information. To process the international wire transfer, you will need to show the banking attendant the following information:[7]
- The full name and address of the recipient's bank.
- The recipient's name, address, and account name (savings, checkings, money mart, etc).
- The recipient's account number, or International Bank Account Number (IBAN). Your recipient should be able to get this information from their bank, or from their banking statement. The recipient's account number will depend on where their bank is located in the world. For example, an account number at a Canadian bank will appear differently than an account number at an Australian bank.[8]
- The recipient's bank's SWIFT/BIC code. Your bank will require the recipient's bank's SWIFT/BIC code in order to identify which bank they are transferring your money to. The recipient should be able to get their bank's SWIFT/BIC code by asking their bank for this information. Your bank may also be able to locate the recipient's SWIFT/BIC code based on the recipient's account information.[9]
- Ask the bank teller to walk your through the wire transfer process. The teller should take the recipient's information from you and ask you a series of questions to complete the wire transfer. You will need to confirm:[10]
- The currency in which you are sending the funds to the recipient.
- The account from which you are sending the funds to the recipient.
- The amount of funds you are transferring to the recipient.
- Most banks encourage you to transfer money in the currency of the recipient's country. However, if you are not sure where the recipient is located or what currency the recipient would like the funds in, you can send the amount in U.S. or Canadian dollars.[11]
- Pay the international wire transfer fee. Most banks charge an international wire transfer fee ranging from $40-$50 per transfer. A list of fees for the top 10 U.S. banks can be found here. Ask your teller to confirm the fee amount before you complete the transfer.
- The receiving bank may also charge a small fee to process the wire transfer, ranging from $10-$20. The recipient of the transfer can ask their bank about the exact fee for receiving and processing a wire transfer. The recipient would then pay the processing fee for their bank to process the transfer.
- Check how long it will take for the wire transfer to go through. Once the teller completes the wire transfer process, she should let you know how long it will take for the bank to process the wire transfer and for the recipient to receive the funds. Most banks estimate between one to two days for international wire transfers to go through.
- Consider an international wire transfer through outside services. If you are concerned about your bank's fee for international wire transfers, you can go through another wiring service like Western Union. The fees from Western Union are usually less than the fees charged by your bank, around $10-$15 per transfer. But the transfer may take more time if you use an outside service like Western Union instead of your bank.[12]
EditRelated wikiHows EditSources and Citations
Cite error: <ref> tags exist, but no <references/> tag was found
|
| How to Treat a Burn Using Honey Posted: 25 Sep 2016 09:00 AM PDT Medicinal honey is a bit different from the processed, food grade honey you will find on most store shelves, so you should ensure that you have a ready source of medical grade Manuka honey available before you proceed with the burn treatment recommended in this article. Honey has been used for hundreds of years to treat burns and other injuries. Honey's antioxidant and antibacterial properties give it healing qualities.[1] When honey is applied to a burn, it keeps the wound moist, allowing for quick healing and minimal scarring. Use honey to treat first-degree burns and small second-degree burns rapidly and naturally.\ EditDiagnosing Your Burn - Recognize a first-degree burn. Burns can happen pretty easily. You can get burned by heat, fire, the sun, electricity, boiling liquids like water, sauces and other foods, and chemicals. A first-degree burn is the least severe, affecting the topmost layers of your skin.[2]
- A first-degree burn will be red and painful. It turns white when you put pressure on it.
- This type of burn usually heals within 3-6 days. The skin may peel during healing. There is usually little to no scarring.
- Recognize a second-degree burn. A second-degree burn is more severe than a first-degree burn. It affects deeper layers of the skin. It will be red or splotchy, swollen and very painful. There may be blisters. [3]
- This type of burn usually heals within 2-3 weeks. You may have some scarring.
- If your burn is any larger than about 1 inch (2.5 centimeters), see your doctor immediately.
- Know what a third-degree burn is like. Third-degree burns are the deepest and most serious burns. They damage all the layers of the skin. The skin may be whitish (charred) or black. [4]
- Third-degree burns require immediate medical attention. Do not attempt to treat this type of burn on your own.
- Third-degree burns are not usually painful because the nerves have been damaged.
- These burns may take months to heal and may scar during healing.
EditTreating Smaller Burns Immediately - Run cold water over the burn. Immediately after getting burned, use cold, running water to cool the area to a comfortable level. Do this for at least 5 minutes. [5]
- Second-degree burns should be cooled for at least 15 minutes.[6]
- Do not apply ice to the burned area.
- Pour medicinal honey over the burned area. Use medicinal honey to cover the entire burned area and onto the surrounding, undamaged tissue. Don't skimp on the honey. You want to have a pretty thick layer of honey over the wound. Depending on where the burn is, try to have the honey about ¼ inch thick (about ½ centimeter).
- Use medicinal honey if possible. Examples of medicinal honeys are manuka honey from New Zealand and Medihoney from Germany.[7]
- If you can't find medicinal honey, a good choice is organic, unfiltered raw honey. Don't use regular honey from the grocery store.[8]
- Avoid using rhododendron-based honey. It can contain toxins known as grayanotoxins and is known as "Mad Honey" because it has been known to cause lightheadedness and hallucinations. [9]
- Spread the honey around. Use a thin plastic bag, sandwich bag or wooden ice cream stick to gently spread the honey over the burned area and surrounding skin.
- Wrap the burned area with dressing. Use a clean, dry gauze bandage or a non-stick dressing like Telfa. Cover the burned area completely with the dressing. Hold it in place with medical adhesive tape.[10]
- Get immediate medical attention for major burns. If you have received a large second-degree burn (larger than 1 inch or 2.5 centimeters), or you have a third-degree burn, get medical attention right away.
- For second-degree burns, you should still cool the burn with cold, running water for 15 minutes, or until help arrives.
- Get immediate medical attention for electrical, chemical and radiation burns. All electrical, chemical and radiation burns (with the exception of mild sunburn) should be treated by medical professionals as soon as possible.
- A chemical burn should be flushed with cool, running water for at least 5 minutes. Get medical attention immediately.
EditChanging the Dressing - Wash your hands. Make sure you have clean hands before changing the dressing on your burn. If your hand is burned, ask someone to help you. Have them wash their hands with soap and water first.
- Gently remove the dressing. If any loose skin sticks to the dressing, let it pull away from the burned area.[11] Studies have shown that honey helps loosen and separate skin more easily and without pain, so this should be relatively easy to do.[12]
- Throw away the old dressing.
- Check for infection. Examine the burn area and look for signs of infection. This might include:
- Pus or discharge
- Swellings filled with anything but clear fluid (if the skin has blistered, leave the blister intact)
- Reddish streaks which radiate from the injury
- Fever
- Apply antibiotic ointment if you want to. If you think you have an infection but it seems minor, you can use a triple-antibiotic cream/ointment on it, though the honey generally prevents infections.
- If you think you may have a more serious infection (for example, you are running a fever or you see red streaks), contact your healthcare professional immediately.
- Do not remove tissue from the burn. Removing tissue (loose skin) from the burned area can cause further damage such as scarring. There is no need to remove tissue that remains on the burned area after you've removed the dressing. Let your body do the work. The tissue will fall off normally, and the honey will speed up this process.
- Don't wash off any honey. The honey has antimicrobial and antibacterial properties. It can prevent infections most of the time.[13] The honey forms a protective barrier over the area, and removing it will expose the vulnerable tissue. Leave the honey on the injured area.
- Add more honey to the burned area. Use as much honey as is needed to cover over the burn area. Use enough to make a ¼ inch thick layer (about ½ centimeter).
- Apply a fresh dressing. Use gauze or Telfa to cover the burned area completely. Secure with medical adhesive tape.
EditLetting the Burn Heal - Change the dressing daily. Keep changing the dressing and applying more honey every day. Watch for the wound to look pinkish and bumpy.
- Give your burn some air. Every day, leave the dressing off for 1-2 hours. This will allow the injured area to get some air. Then, reapply honey and a fresh dressing of gauze or Telfa.
- Wash off the honey. A first-degree burn should heal within a week. A small second-degree burn should heal within 2 weeks. Once the burn is healed, wash off the honey with cool running water.
- If a burn is taking longer than 2 weeks to heal, see your doctor to have the burn checked.
- If you pick up something hot between your fingers, immediately grab your ear lobe. The heat will be quickly drawn from the burn and to the ear lobe. The fingers have a large number of nerve endings while the ear lobe has fewer nerve endings and has a relatively large surface area. The large surface area can dissipate the heat faster.
- Don't try to remove any burnt clothing or any materials from a second or third degree burn. This may cause more damage to your burn.
- Don't use anything but water to cool a burn.
- Don't apply butter, oil or ice to any burn.
EditRelated wikiHows EditSources and Citations
Cite error: <ref> tags exist, but no <references/> tag was found
|
| How to Deal With People Who Put You Down Posted: 25 Sep 2016 01:00 AM PDT It's not a good feeling when someone calls you names or insults you. It can hurt your feelings when someone criticizes you, makes fun of you, or puts you down. You can deal with people that put you down so that they stop doing it and leave you alone. You just have to learn to take care of yourself and know how to address it when it happens. EditAddressing It Right Now - Avoid reacting immediately. When someone puts you down, deal with it by not immediately reacting to him. Giving a quick comeback or getting angry will reinforce his behavior. It gives him what he wants — a response from you.[1]. Also, it's not good for you to act out of anger or other negative emotions. You could do or say something you will regret.[2]
- Take a deep breath or two. This will help you to remain calm.
- Slowly count to five while you make sure you are calm.
- Don't retaliate. You may want to respond with a put-down of your own, but doing this can make you seem as petty as her. It can also increase the tension, and really won't solve the problem.[3]
- Just like reacting immediately, retaliating gives her what she wants.
- Even though you might want to, don't reply to rude comments and posts online with mean posts of your own.
- Avoid gossiping about her later. It may feel good in the moment, but does nothing to solve the problem.[4]
- Ignore it. Sometimes silence can be the best weapon.[5] Ignoring someone that is putting you down denies them the pleasure of a response from you. It keeps you from wasting time and energy on someone that isn't worth it. Plus, her bad behavior will really stand out against your good behavior.
- Just act as though she didn't say anything.
- Continue doing what you were doing without giving her a glance.
- Unless the person is incredibly thick-headed, she will usually leave you alone after being ignored.
- Tell the person to stop. This is a clear way to let the person know that you want him to quit putting you down. If ignoring the person didn't work or if the situation is especially annoying or hurtful, telling him to stop can help resolve the problem.
- Make sure you are calm. Look him in the eyes and use a controlled, confident, clear voice.
- For example, if a peer insults you, take a few deep breaths and then calmly say, "Stop putting me down."
- With a co-worker, you might try saying, "I don't like or appreciate how you are talking to me and about me. I want you to stop putting me down."
- If it's a friend that may not actually be trying to be mean, you might say, "I know you didn't mean to, but what you said hurt my feelings. Please don't put me down like that."
EditDeveloping a Strategy - Understand why the person does it. People that put others down may do it for several reasons. It is not always on purpose and may not always be meant to hurt you.[6] Understanding what the person's motive is can help you determine how to deal with her.
- Some people do it because they are insecure or jealous. They are trying to feel better about themselves by putting you down.[7]
- Some do it because they are trying to impress someone or get attention.[8] For example, the coworker that criticizes your work in front of the supervisor.
- Others don't realize they are doing it or just don't communicate well. For example, the grandmother that says, "That's a nice shirt. It covers your stomach well."
- Sometimes people aren't really trying to be mean or hurt your feelings. They may just consider it harmless teasing. For example, a friend that calls you "short stuff".[9]
- Draw a line. Some comments are just annoying and you can ignore them. Other comments are truly mean and hurtful and should be addressed.[10] Deciding where that line is for you will help you determine how to address the situation.
- For example, when your brother puts you down it may be annoying. But you know she probably doesn't mean it and isn't actually trying to hurt your feelings. You may not even want to address it with him unless it gets way out of hand.
- But, a co-worker that always makes rude remarks to you that are upsetting will probably need to be addressed.
- If the insults are discriminatory or happen a lot, the person is crossing the line and should be reported.
- Talk to co-workers and peers. People that don't know you well, but put you down are probably doing it for a bad reason (or they could just be annoying). Don't cause a scene, but do let them know that it's not okay.
- If possible, have the conversation in private. This cuts down her need to "put on a show" for other people and maintains the respect of both of you.
- You might say, "During the discussion you made some harsh comments about my idea. I appreciate constructive feedback, but not insults. Please don't do that again."
- If she starts putting you down while you are trying to talk to her about it, then end the conversation.
- If the behavior continues or gets worse, you may need to report it.
- Be assertive with friends and siblings. Although it may start as harmless teasing, sometimes it can go too far and you need to tell the person to cut it out. Don't laugh as you tell her to stop or throw in an insult of your own. She won't take you seriously and the put-downs will continue. Be assertive, using a calm, clear voice when you tell her to stop.
- For example, "Hahaha. Cut it out, Dumbo ears" is not a good way to tell your sister to stop putting you down.
- Look her in the eyes and in a calm, serious voice try saying, "Ok. That's enough. I know you think it's funny, but it really bothers me, so I'm asking you to stop."
- If she doesn't immediately stop, tell her, "I was serious when I asked you to stop," and then leave. She will most likely come after you and apologize. Sometimes those closest to us don't know when we are serious.
- Be respectful with superiors. Sometimes parents, teachers, or supervisors put us down, often without knowing it. Let these people know that their put-downs bother you and that you want them to stop. This makes the person aware of what he is doing and how you feel about it. It is also an important step in dealing with the situation long-term.[11]
- Check with your Human Resources Department at work and see what they suggest on how to handle put-downs from superiors.
- Talk to him one-on-one, if you are comfortable doing so. It will make the conversation less awkward for both of you.
- Try saying, "When you call my work silly, it really bothers me." Or, "I know I don't always get everything done, but please don't call me lazy. It hurts my feelings."
- Tell another adult you trust or the HR department if you aren't comfortable talking to him one-on-one or if you feel he is putting you down on purpose.
EditTaking Care of Yourself - Don't take it to heart.The person's words are a reflection of her, not of you. If she were a happy person, she would not spend so much time putting down other people around her. Also, she most likely does this to other people and not just you. If you let her put-downs get to you, then she wins. Don't allow what she is saying to lower your self-esteem or make you feel bad about yourself.[12]
- Remind yourself of all your great qualities by making a list of your positive characteristics.
- Write down what she said about you. For each put-down, write three things that prove the put-down isn't true.
- Make a list of all the nice things other people say about you.
- Use stress management strategies. It can be stressful to have someone put you down, especially if it is on a regular basis. Learn and use some stress reduction techniques to help you deal with the person that is putting you down and the stress it is causing you.
- Practice deep breathing and meditation to help you remain calm when the person is around you.
- Practice mindfulness because it can help you with stress and may even help you tune the person out when he is bothering you.
- Try doing something physical like jogging or going for a swim to release tension.
- Ask for support. You should tell someone and ask for help if the person is putting you down on all the time or is really mean. Tell someone if the person doing it is an authority figure like a teacher, parent, or supervisor. Using your support systems helps in many ways. They can stand up for you when it's happening or even report what is going on.[13]
- Tell someone you trust about what is happening. Give her as many details as possible so that she can understand the situation. Ask her for help dealing with the person that is putting you down.
- This might be as simple as asking a friend to be there with you when you tell the person to stop.
- It may mean reporting the person to the proper authorities.
- Hang out with positive people. Spending time with people with a good attitude is a great way to handle the stress of someone putting you down. It also helps you take care of yourself in general. Hanging with positive people can reduce your stress. It can take your mind off of the person who put you down and how it made you feel.[14]
- Try to socialize and talk with people that uplift you on a regular basis.
- Don't just talk about the person putting you down — do something fun!
EditRelated wikiHows - If you feel threatened or that you may be physically hurt, contact the authorities immediately.
- If the put-downs are because of race, age, gender, sexuality, or disability then make sure to document the incident and report it.
EditSources and Citations
Cite error: <ref> tags exist, but no <references/> tag was found
|
No comments:
Post a Comment