Cognitive Behavioural Therapy and Expectation from Counselling for CBT

Cognitive Behavioural Therapy or CBT is a psychotherapy treatment that provides a practical approach to solving a problem. The main goal of CBT is to try to change how the way a person feels about the situation.

It’s used to alleviate a wide range of issues that a person is going through. Some of the issues that CBT addresses are sleeping issues, social relationship issues, alcohol or drug issues, depression, anxiety, and more.

This therapy usually lasts in 5 to 10 months. Commonly, a client would attend a session every week for an hour. During these sessions, the client and the therapists help each other understand what the client is going through at the moment and what possible steps should the client be taking to help with his or her current predicament. CBT also recommends a set of principles that he or she can live by for a lifetime.

CBT is a combination of psychotherapy and behavioural therapy. Psychotherapy focuses on our thinking patterns, while behavioural therapy is all about the relationship of our problems, thoughts, and behaviour. Therapists customize their process and content of psychotherapy and behavioural therapy for each client.

It was founded 40 years ago by Aaron Beck. It is mainly used to treat depression, however, as the therapy and human experiences evolved, CBT has since been used for other conditions such as panic disorders, post-traumatic stress disorders, generalized anxiety, insomnia, social phobias, childhood depression, anger, marital conflict, substance abuse, schizophrenia, bipolar disorders, borderline personality disorders, dental phobias, eating disorders, and more.

What Should I Expect from Counselling for CBT?

Below are the clear processes that a client would typically undergo in the CBT sessions:

Problem identification;
Goal/s establishment;
Empathic communication;
Feedback;
Reality checks;
Homeworks;
Thought tools maintenance;
Cognitive Behavioural Therapy differs from any psychotherapies because each session has a default flow, unlike some therapies that a person can freely dabble on how he or she feels. In the initial sessions of CBT, the client will lay down all the specific problems that he or she has. Both therapist and client will set goals on what they hope to accomplish in the future.

There isn’t any right or wrong problem or worry about telling your therapist about. It could be anything from difficulty in concentrating, unhappy life, unhappy marriage, unhappy work environment, relationship problems, and more.

The problems and the goals set by the therapist and the client will be the foundation on what the sessions will be all about in the future meet-ups. The weekly sessions will tackle each problem little by little until everything is covered. The next meet-ups would also try to wrap up the conclusions that happened in the last session.

CBT sessions have homework that therapist would typically let patients do away from the sessions. The therapist and the client would discuss the progress of the client in each homework during meet-ups. The homework are ongoing exercises and will go on until the last session or depending on the therapist’s recommendation.

4 Things no one told you about buying Used Cars

Buying a new car has its own advantages. But due to the ever increasing financial woes around the globe and depreciating value of automobile sector, buying a used car has made things simpler. Nowadays, a pre-owned car is being accepted by a large number of car buyers and its sale is not restricted to people with subprime credit.

How to get the Best Deal while buying a used car?

Apparently, used cars require more of your attention than new cars. It is because used car buyers have to assume the risk of ending up with a lemon. In order to land up a good deal, the following four things should be kept in mind:

1. Paperwork

Just because you are buying a used car does not mean that the vehicle should be anything but safe. Certified pre-owned cars make your work easy and provide you with a proof of their proper functioning. The extended warranty that comes with a certified pre-owned car guarantees you of smooth driving for a certain length of time or up to a fixed number of miles.

2. Overall Look

Focus your attention to the minute details such as dents, scratches, rust, improper alignment of panels during past repairs, paint color consistency, loose doors, shaky hinges, tires, etc.

Apart from the exteriors, you should pay attention to the interior of the car. Operate and check the crucial parts such as the engine, heater, air-conditioner, music system, brakes, etc. A test drive will be the most suitable option in order to obtain an overall idea of the car.

3. Price Check

Get an estimated value of the car that you have finalized. It will reveal if the dealer is overcharging you or providing you with a genuine selling price. You can use Kelley Blue Book for finding the estimated value of the car. Remember to go with a printed proof of the price check if the dealer’s price is way more than the market value.

4. Negotiation

Be willing to use your negotiation skills before agreeing to the price quoted by the dealer. In most of the cases, the prices are set as per the approximate usage of the car and the current market value. Do not be hesitant to quote the price that you wish to spend on the car. You never know, the dealer might just agree and hand over the car to you. You have to make the dealer feel that the cash may go out of his hands if you do not buy his car.

Before you set out to look out for used cars, keep these four valuable things in mind. It will not only save you a lot of money but also make you an attentive car buyer. Remember that taking time out for doing your homework to buy a pre-owned car will only make you satisfied at the end of the deal.

ESOP Valuation: A Specialized Merchant Banking Service

ESOP is a right given by businesses to retain and reward employees, it is also a strategy for start-ups who may not have the funds to pay high salaries. As it is a strategy to retain employees the scheme has to be attractive offering financial gains.

There is an elaborate procedure for granting ESOP, first, the company has to be eligible as per the rules and guidelines. In the scheme draft purpose, eligibility, tax liability, and vesting period for the stock is defined. This draft is presented before the members of the company, all the shareholders and board of directors should approve in favor of this decision by passing a special resolution. The ESOP scheme draft in the form of this resolution is filed with ROC before making the announcement. For ESOP valuation, planning, and management the services of a merchant bank are required.

In the ESOP valuation process, various methods are used that give accurate and fair value to make this scheme attractive for employees and beneficial for the company. The company has to maintain an ESOP register containing details related to options granted, options vested and options lapsed. A proper record is needed for legal purposes and it also helps in making informed decisions. Employees also need to know about the facts of ESOP regarding the time duration, vesting period, eligibility etc.

Factors such as time value, dividend yield, volatility, and interest rate are considered in the fair value method (FVM). Only internal factors are considered in the intrinsic value method, which makes FVM more accurate and widely used. In general practice, the merchant banker uses more than one method for ESOP valuation to reach a conclusion and provide accurate results. Only SEBI registered merchant bank is eligible to provide ESOP valuation services in Delhi. This service is crucial as an efficient planning means a successful ESOP scheme attractive for employees. It is possible to make amendments to the ESOP Scheme by passing a special resolution and following the due procedure mentioned in the respective rules.

CCV India is a SEBI registered merchant bank providing ESOP valuation services. The company has emerged as a brand for its secretarial services, corporate restructuring, business valuation, and merchant banking services. With a dynamic team of experts, it is a leading consultancy in Delhi.