avatarJillian Enright

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Abstract

<p id="5d64" type="7">一言蔽之,在考慮所有利息、手續費、服務費、雜費、還款假期、利息回贈、現金回贈、分期供款等花巧東西後,化繁為簡,變為我們最熟悉的那個利率便是「實際年利率」喇!</p><h1 id="6d4d">認識「實際年利率」的好處</h1><p id="3f62">好處只有一個,因為「實際年利率」是一個化繁為簡後的利率,赤條條無遮無掩無得花巧,<b>所以是一個可以用來 apple-to-apple 用來直接比較不同貸款方案利息平貴的 rate!</b> <b>其他所有 rate 什麼手續費什麼月平息基本上都可以掃開喇!</b></p><h1 id="bf34">APR 很好,但要小心別把優惠 double-count!</h1><p id="752a">根據銀行公會的指示,如果銀行為客戶提供現金回贈時,是有責任<b>同時提供</b>「包括」和「不包括」現金回贈的 APR,但在廣告 tagline 時仍然可以選擇只寫其中一個 (當然是抱括現金回贈的那個,因為那個 APR 較低嘛)。</p><p id="99ae">以大新銀行「分期快應錢」做個例子,貸款額 $100 萬的客戶一般可享 $2,000 的現金回贈,以 12 個還款期計算,當考慮這筆 $2,000 回贈時,APR 為 2.08%,不考慮時則升至 2.45%。</p><figure id="a9d1"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*mq63eY3Knbz21nm0RbCoqw.png"><figcaption>source: <a href="http://www.dahsing.com/html/tc/personal_loan/express_money.html">http://www.dahsing.com/html/tc/personal_loan/express_money.html</a></figcaption></figure><figure id="cb60"><img src="https://cdn-images-1.readmedium.com/v2/resize:fit:800/1*WEIvTX8iHtWCiQ1ZS9cPJg.png"><figcaption>source: <a href="http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf">http://www.dahsing.com/tc/pdf/loan/em_T&amp;C_tc.pdf</a></figcaption></figure><p id="df8b">但當你瀏覽宣傳單張、瀏覽網頁或在分行被銷售的時候,經時會看到 / 聽到類似的話:</p><p id="023a" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 $2,000 現金回贈添!</p><p id="57dc">留意番,魔鬼就在「仲有」兩隻字嗰度,2.08% 已考慮 $2,000 現金回贈!所以唔應該係「仲有」,而應該係「包括咗」... <b>一個不小心就會把優惠 double-count 了!</b></p><p id="cba2">另外一個可以降低 APR 的方法便是提供「首月還款假期」,即第二個月才開始還款,類似的 tagline 包括:</p><

Options

p id="8889" type="7">好抵架,如果借 $100 萬,APR 低到 2.08%,「仲有」 首月還款假期添!</p><p id="3599">謹記所有優惠也會影響 APR ,<b>分清楚到底廣告/職員說的到底是「優惠前」還是「優惠後」的 APR 就能作出精明選擇了</b></p><p id="166e">版主推介:</p><div id="7d3e" class="link-block"> <a href="https://medium.com/@Watin/%E9%8A%80%E8%A1%8C%E5%B0%8F%E7%9F%A5%E8%AD%98-1-%E8%B2%B8%E6%AC%BE%E5%89%8D%E5%BF%85%E8%A6%81%E6%90%9E%E6%87%82%E7%9A%84-78-%E6%B3%95%E5%89%87-c4fbdc2cd0c3"> <div> <div> <h2>銀行小知識 (1) — 貸款前必要搞懂的「78 法則」</h2> <div><h3>知道了做貸款便有預算了</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*jNn_gXMBUzrq4tf_96JwXA.png)"></div> </div> </div> </a> </div><div id="6ca5" class="link-block"> <a href="https://medium.com/@Watin/%E4%BF%A1%E7%94%A8%E5%8D%A1%E9%96%91%E8%AB%87-11-%E5%B8%B6-2-%E5%BC%B5%E5%85%AB%E9%81%94%E9%80%9A-50b7ca868310"> <div> <div> <h2>信用卡閑談(11) — 如何賺盡八達通回贈?</h2> <div><h3>帶 2 張八達通出街!</h3></div> <div><p>medium.com</p></div> </div> <div> <div style="background-image: url(https://miro.readmedium.com/v2/resize:fit:320/1*acfp_LQv6zcOi9ce0R0-Pg.png)"></div> </div> </div> </a> </div></article></body>

How Emotional Regulation is Like Bike Riding

Skills need to be taught and supported, they don’t come pre-programmed

Created by author on Canva

It’s like riding a bike

Think of teaching regulation skills like teaching children to ride a bicycle. We don’t just put a kid on a bike and expect them to figure it out for themselves.

First, we might teach them how to balance and explain the mechanics of keeping the bike upright. Next, we might hold on to the back of the bike as they practice pedalling and work on finding their balance.

After lots of practice with a lot of adult support and coaching (and possibly many falls, scrapes, and bruises), involving lots of patience, help, and encouragement with a trusted adult right by their side…

They gain increasingly more skill and confidence, and eventually are proudly zipping around without fear.

Image created by author

Regulation isn’t inborn

We aren’t born with the ability to regulate ourselves. Newborn babies are completely reliant on a loving caregiver to meet all of their needs, including their need to feel safe and cared for.

When babies cry, they need an adult to figure out what’s wrong and provide for them. They need an adult to comfort them when they’re sad or scared. Babies and children develop healthy attachment when we show them we will respond to their distress and meet their needs.

When a loving caregiver comforts a baby, the baby’s developing brain begins to form a mental blueprint for what regulation and soothing feel and look like.

Created by author

Babies and young children do not yet have the neurological capacity to self-regulate. They need a calm adult to help them work through their big feelings.

Each time an adult remains calm and supports a child through dysregulation, the child’s brain adds to a mental map of what emotional regulation is.

Sometimes a child’s caregivers are unable to provide a calm, soothing presence at least some* of the time.

(*It will not — and cannot — be all of the time, that’s impossible. Children can learn that adults are human too and we can role-model how to accept responsibility and make amends when we mess up).

When the adults in the child’s life cannot respond compassionately most of the time, that child’s mental blueprint for emotional regulation will look very different.

Created by author

Individual differences

The style of parenting isn’t the only reason a child may have or develop a highly sensitive nervous system.

Some children are born with hypersensitivities, like neurodivergent kids, kids with disabilities, and children with complex medical issues.

There can also be other traumatic events in the child’s life (at school or in their community, for example) which may cause their internal alarm system to become hypervigilant.

Our mental map

When we grow up with caregivers who are unable to consistently provide co-regulation, or we experience traumatic events, our brains create an association between emotions (as well as certain environmental cues) and lack of safety.

Our nervous systems will spend a lot more time in survival mode, and our ‘baseline’ for what being regulated feels like will be much higher — meaning we’ll go from regulated to dysregulated much faster.

When we try to teach social-emotional and regulation skills from an academic standpoint, we’re trying to teach skills to the Prefrontal Cortex (PFC), which is the logic and reasoning centre of the brain.

But someone in a state of hyper-arousal or chronic stress is living primarily in their limbic system and hind brain: the areas responsible for emotions and survival.

When someone’s mental blueprint tells them that emotions lead to feeling unsafe, their nervous system is hyper-vigilant because it’s used to having to look out for danger.

Created by author — (based on work by Robyn Gobbel)

Being in survival mode without a mental map for healthy regulation means we can go from a state of chronic stress to fully dysregulated very easily.

We cannot internalize intellectual knowledge, nor learn social-emotional skills in an academic way until we have a foundation on which to build.

We first need the internal experience of co-regulation so we can relate new information to our inner experience.

We also need to experience co-regulation in order to increase the distance between our ‘baseline’ and dysregulation. This way we will have time to access those skills before we become too dysregulated to use them.

But how will they learn??

Dysregulated people behave in less than ideal ways. Children who are dysregulated may act out and “misbehave”.

This is because our rational, adaptive behaviours come from the part of our brain responsible for reasoning and logic, which is unavailable when we are in survival mode.

I often get questions along the lines of, “…but if we don’t punish ‘bad’ behaviour, how will they learn”, or “They’ll think it’s okay if they just get away with it!

Learning — including learning from rewards or punishment — requires access to our Prefrontal Cortex (PFC). When a person is dysregulated, their PFC is essentially “offline” because the brain is prioritizing the areas responsible for safety.

Created by author

In order to learn new skills, take accountability for our actions, understand the impact of our behaviour, or learn from our mistakes, our nervous system first needs to be regulated.

In order to regulate, we need to feel safe. Our sense of felt safety is subjective. It is impacted by our environment, relationships, inner processes, and our experiential history.

Safety is determined by an individual’s nervous system: What feels safe for one is different from what feels safe for another.

© Jillian Enright, Neurodiversity MB

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References

Delahooke, M. (2019). Beyond Behaviors: using brain science and compassion to understand and solve children’s behavioral challenges. PESI Publishing.

Delahooke, M. (2022). Brain-Body Parenting: How to stop managing behaviour and start raising joyful, resilient kids. Harper Collins.

Desautels, L. (2020). Connections Over Compliance: Rewiring our perceptions of discipline. Wyatt-MacKenzie Publishing.

Gobbel, R. (2023). Raising Kids with Big Baffling Behaviours: Brain-body-sensory strategies that really work. Jessica Kingsley Publishers.

Hoffman, K., Cooper, G., Powell, B., Benton, C. M. (2017). Raising a secure child. Guilford Publications.

Siegel, D. J., & Bryson, P. T. (2012). The whole-brain child. Random House.

Parenting
Psychology
Education
Mental Health
Neuroscience
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