CREDIT OR DEBIT?
When it comes to purchasing items, you have a choice about whether you should use your debit or credit card. Although these rectangular pieces of plastic look the same, they are very different. With credit cards, you’re borrowing money, whereas a debit card takes money directly from your account. That being said, is there a better time to use credit than debit? Here are a few instances to help you determine when to use which card. If you need to access cash quickly , it’s best to use your debit card. If you use an in-network ATM, you can withdraw cash without a transaction fee. But if you use an out-of-network ATM, your bank and the ATM provider will charge a fee. Although you can use your credit card to withdraw money, the fees are usually even higher. Debit Card •
surcharge when you use your credit card, but debit cards are excluded from these fees.
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If you make an international purchase, you may want to use your debit card if your credit card company charges foreign transaction fees.
Credit Card •
Your credit card is preferred for safer online shopping to prevent your debit card information from being on the internet. However, check your browser and shopping apps to make sure your credit card is the preferred payment method.
• Debit cards can help you avoid merchant fees from businesses. Some online retailers, restaurants, and small businesses have a
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If you have any subscription services or bills, your credit card works
ICE OR HEAT? HOW TO TREAT INJURIES AT HOME
Whenever we suffer an injury that doesn’t require a doctor visit, we are usually told to do one of two things: ice the area or apply heat to it.
before applying it to your skin. You should continue to ice your injury for the next two days.
Different injuries require different treatments. For example, applying heat to an ankle sprain will not help as much as applying ice. Let’s look at which injuries require heat or ice and how it relieves pain or reduces swelling.
Injuries You Should Apply Heat To
If you have chronic pain, it’s best to apply heat to that area. This pain can tell you that your body hasn’t fully healed from the injury. You can use heat for muscle pain or soreness, stiff joints, arthritis, and recurring injuries. Applying heat allows your blood vessels to expand and help your muscles relax. Only use heat in 20-minute increments and don’t sleep with any heating treatment. This can cause blisters, irritation, and maybe burns. You can use heat for 2–3 days after the injury occurs. Use a heating pad or a hot, wet towel, or take a hot shower or bath to relieve pain. An easy way to determine if you need to ice or heat an area is this: If it’s swollen, apply ice. If it’s stiff, use heat. But if you’re unsure if you should use ice or heat, or if the pain is still occurring after treatment, contact your PT for assistance. They will provide you with further treatment options to help you with your discomforts.
Injuries You Should Apply Ice To
You want to apply ice to acute or short-term injuries. Acute injuries consist of ankle or knee sprains, muscle or joint sprains, red or swollen body parts, and pain after an exercise. Icing an area will lower the amount of swelling you have and make the healing process quicker. Be sure to limit icing sessions to 20 minutes. Over-icing can irritate your skin or cause tissue damage. If you have an ice pack or frozen packages in your freezer, you can use those to treat the painful areas. If not, you can put ice in a bag. Wrap it or any other item you’re using in a paper towel or washcloth
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