The patient should recognize that you have authority, but not feel as though you are talking down to them. A friendly tone helps in accomplishing this, as it conveys to the patient that you care about them. Keeping it professional shows the patient that you are confident about their treatment and feel in control of the setting. Patients may say and do things that you think are inappropriate or upsetting, but it’s important that you not convey this to the patient. Rather than informing them of your opinions, follow their treatment plan and help them get back on the road to recovery, whether you agree with their actions or not.  At times, this may mean consciously addressing your biases. For example, you may find self-harming behavior to be upsetting. However, chiding a patient or showing disgust can set them back. Instead, treat their wounds and help them engage in their treatment protocols. Some of your patients will be harder to work with than others. For example, you may have a patient that is more aggressive or who shows disdain for you. It’s important to treat this patient the same as any other patient, including how you address and behave towards them. Treating them equally is not only the right thing to do, it can also aid in their treatment process. Eventually, it may make them cooperate better, as well. Keep your eye contact natural, however, rather than forced. This shows the patient that you are open, honest, and view them as an equal. Do not stare down at patients, as this may come across as demeaning to them. to avoid triggering negative emotions. Patients will notice if your body language appears hostile or angry, which could be a trigger to some patients. You can avoid this by adjusting your body language.  Straighten your back and maintain good posture. Let your arms hang at your side. When holding something, try not to block your body with it. Don’t cross your arms. Keep your facial expression neutral or, preferably, give a friendly smile. Unless you're in an emergency situation, earn a patient's trust before you try to get too close to them or enter their private space. Although there may be times when you or other staff must cross personal boundaries for the sake of the patient or others in your care, do your best to respect their space. You could say, “I’m noticing that you look upset. Can I sit with you and talk?” Some patients can become anxious or upset when they’re touched. It may even be a symptom of their illness. Don’t touch a patient unless you have permission or it’s required for their treatment.

Summary: Use a friendly, but professional tone. Keep your focus on the patient's treatment plan, not your opinions. Treat each of your patients in the same manner. Make eye contact when speaking to patients. Use open body language Do not invade a patient’s personal space unless it's necessary. Avoid touching patients, unless it’s necessary.


An expense ratio is how much it costs a firm to manage an investment fund. An expense ratio of 0.48% means $48 for every $10,000 invested goes to operating fees. Passively managed index funds usually have low expense ratios (as low as 0.05%), while actively managed funds have much higher fees (1% or higher).  EWJ, DWX, and DBJP, 3 of the top listed ETFs tracking the Japanese exchange, have expense ratios between 0.45 and 0.48%. At 0.49% HEWJ is slightly more expensive, but it’s a currency hedged portfolio. This means it eliminates risks associated with the yen’s value relative to the dollar.  Keep in mind you’ll also pay your broker a commission each time you buy or sell ETF shares. It might seem strange, but a weak yen correlates with a strong Tokyo Stock Exchange. However, this translates to a currency exchange risk, which could decrease your investment gains. A currency hedged ETF, such as HEWJ, trades in multiple foreign currencies to neutralize the risk of devaluation. If your ETF is unhedged and trades in dollars, euros, or pounds, you could lose your gains because the yen is devalued against your currency. For example, if your unhedged ETF’s value increased 10% in a year that the yen plummeted relative to the dollar, you might actually gain 5% due to the weak yen. When you’ve chosen an ETF, log in to your online brokerage account or call your broker. Order the purchase and pay the transaction fees (expense ratio plus commission). Ensure you’ve provided your bank’s routing number so you’ll see returns on your investment.  One of the perks of purchasing ETF shares is that there are no minimum deposit requirements. You can buy as little as 1 share.  A disadvantage is that you’ll have to pay transaction fees each time you buy and sell, so you might want to make 1 larger deposit instead of a monthly contribution. If your discount broker charges $9.99 per trade (plus commission), it wouldn’t make sense to invest $100 per month in an ETF and pay over 10% per transaction.

Summary: Shop for an ETF with an expense ratio around 0.45 to 0.49%. Go with a currency hedged ETF to eliminate currency exchange risk. Purchase shares through your broker when you’re ready to buy.


Contact the carrier you want to switch to for a new SIM card. Shut down your phone as you normally would. Depending on which Android model you're using, the SIM card will be in a slot on the side of the case or under the back cover (sometimes under the battery). Insert the SIM card from your new carrier into the slot. Instead of your normal home screen, you'll get a notification that your phone needs to be unlocked before it can use the installed SIM card. Use the keypad to type in the code you got from the Straight Talk representative. Press UNLOCK. You'll see a confirmation message confirming that the code has been accepted. Now you can use your Android phone with your new carrier.
Summary: Get a SIM card. Power off the phone. Remove the Straight Talk SIM card. Replace the SIM card. Power on your phone. Enter the unlock code.