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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>

Is There a Difference Between Trauma-Based Fear and Oppression-Based Fear?

Ask an Ally: All types of violence tend to radiate out harm, negatively affecting people far removed from the initial aggression.

Photo credit: Shutterstock

By Keith Fadelici

This is a series of posts designed to help people approach diversity and inclusion. These are questions and scenarios we’ve actually heard or seen in the wild. This is part of our corporate programming for Diversity, Equity and Inclusion. For more information, click here.

Q: As a woman who has been sexually assaulted, I feel afraid, for example, when I am alone on an elevator with a strange man. How is this different from my grandfather, who was mugged on several occasions by Black men, being afraid of Black men?

A: You ask if there is a difference between the fear felt by two individuals, who have each been assaulted when meeting up with others who remind them of their assailant(s). My reflexive, simple answer is: No, there is no inherent difference.

But the question calls for us to reflect on the complex relationship between oppression and fear. Simple answers tend to minimize or excuse one or the other, resulting in unintended injury to the victims of both. So, let us take a close and careful look.

I was drawn to answer this question for two reasons: the first is professional and the second is personal.

I am a psychotherapist specializing in trauma among victims of crime so the intersect of trauma with “race”, gender, and oppression are natural points of interest. Personally, I can relate to your grandfather’s situation because I too am a white man, grandfatherly in age, who has been assaulted several times in my life by young African American males.

As an ally to oppressed communities, I am challenged to acknowledge many difficult truths about myself. One of those truths is my responsibility to heal from and to monitor my responses to some difficult lived experiences.

In one instance, as a ten-year-old boy, while drinking from a water fountain in a movie theatre, I was kicked in the stomach by a boy my age. We had never seen each other before, but I noticed he was Black and that somehow explained, in my young mind, what he had just done to me. Another incident occurred years later when, in my first job as a social worker I was chased through streets between city projects by a group of African American teenagers who, eventually, surrounded me, held me at knifepoint, and stole my wallet.

After each event, I cried and shook with myriad emotions when I recounted the assaults.

Trauma is a reaction to the threat of death or serious injury. Autonomy is an essential component of our sense of wholeness and of personal control over our bodies. When our sense of autonomy is undermined, as it is during the perpetration of a crime or other acts of violence, victims tend to experience, to varying degrees and duration, a profound violation.

I remember feeling angry, confused, and embarrassed by how I reacted and failed to react when I was assaulted.

After a potentially traumatizing event, the body and mind tend to establish a self-protective system of responses to guard against the recurrence of such injury. Anxiety, depressive-withdrawal, and aggression are common strategies the trauma response utilizes in its attempt to keep us safe.

As part of that response, we generalize from our immediate experience of harm. If I am assaulted by a man who is over six feet tall, wearing a fedora, I am likely to become vigilant when I see someone with those characteristics even if I know my assailant is locked up in jail. The fear response is not rational. The brain prioritizes safety and overrides cognitive function when there is a threat. In effect, the nervous system pushes reasoning aside and says: “Better safe than sorry.”

When a victim of a crime feels fearful in the presence of someone who, for whatever reason, reminds them of their offender, their reaction is a subjective response and not an act of hatred or based in privilege. That response is stressful for the victim and can be uncomfortable, insulting or even threatening to the person or persons who are reminiscent of the offender in the eyes of the victim.

In this sense, the woman and the man in the elevator are both victims of the sexual assailant, as the grandfather and the Black men he encounters on the street are all victims of the muggers. All types of violence tend to radiate out harm, negatively affecting people far removed from the initial aggression.

Vigilance, or being alert to possible threats, is not the problem.

Hypervigilance, on the other hand, which is a common symptom of Post-Traumatic Stress Disorder (PTSD), can be debilitating. Being on high alert for danger is exhausting, as the nervous system ceaselessly scans the environment, often triggering reactions to stimuli bearing only a mild resemblance to actual threat, making maximal use of the brain’s capacity to generalize from experience while depressing more discerning functions. Hence, victims often react not to the specifics of the person before them, but to general characteristics that match those of past assailants.

It is important to distinguish between generalizations that are fear-responses to victimization and generalizations that are the building blocks of objectification, depersonalization and all forms of hate-based prejudice and oppression. It is also crucial to recognize where and how these two types of generalizations intersect.

Racism is often depicted as originating with victimization at the hands of an oppressed group. The loss of a job is blamed on “reverse racism,” or the “deterioration” of a neighborhood said to be due to “racial” change. This false logic is used to justify racist feelings or behavior.

Recruitment strategies of many hate groups rely heavily on the fear in a dominant population of losing an assumed advantage. Dominant populations often feel threatened when inequities are corrected, and advantages (assumed to have been rightfully earned) are jeopardized by just efforts to increase equal access.

A central distinction between a trauma-based fear response and a hate-based belief system is that a trauma response is reflexive. It is not, essentially, an interpretation about others or the world; it is primarily a management of one’s relationship to the past. This internal response may lead to distorted thinking and perception of others, but these distortions are motivated by a rush to safety.

A victim’s healing process involves an increased awareness that the fear response is their own, and an increased capacity to identify and correct cognitive distortions.

After being assaulted, I became more fearful of Black people. That fear can no more be divorced from racism, economic, political, and psychological oppression than misogyny can be separated from the sexual assault of a woman by a man. These injustices form the context and even a motive for the crimes. Tragically they also provide the context for a victim’s response.

But it is crucial that we not confuse fear with injustice, because it is within a safe environment that a victim becomes capable of healing. It was my guardedness that allowed me a safe return to my senses. My senses told me that my assailants were individuals, not representatives of an entire portion of my community.

It is also imperative to note that, no matter the victimization that preceded our actions or its impact on how we feel, we are still responsible for what we do. A person who is abused at work and goes home so frustrated that they kick the dog is in no way innocent of their abusiveness. Boss and employee each must answer for their own abusiveness.

If the grandfather or I translate our fear into a negative belief system about Black people that significantly promotes racism, it is indefensible as a trauma-response; although, I would add, that our victimization at the hands of muggers remains worthy of empathy and support.

Grandad might also benefit, as I have, from an understanding of the role racism has often played in the shaping of the muggers’ behaviors. Interpersonal and systemic victimization play a pivotal role in creating unsafe environments for us all.

It should not be overlooked that the woman who is sexually assaulted by a man is both systemically victimized by misogyny and then personally assaulted by her assailant. My victimizations, as a white man, have been personal assaults, but I have not been the target of systemic oppression. The female questioner who encounters the man in the elevator is confronted with a quantitatively and qualitatively greater threat than the grandfather. Therefore, the reflexive answer equating the two is not only overly simplistic but is also potentially harmful.

As a person who has experienced fear-based responses, I understand when oppressed people have similar reactions to systemic assaults and the other forms of violence they confront regularly.

Allies need to remember that those reactions are fundamental to human psychology and physiology; they are not particular to a gender, class, culture, or orientation.

Hence, recognizing these fear-based reactions wherever they arise, allies should strive not to treat them as the same-as acts of oppression, whether recognized in oppressed or non-oppressed populations. Puritanical attempts to undermine or negatively judge our biological defenses can do harm to ourselves, others and an otherwise sound anti-oppression argument.

Non-judgmental empathy is always the best response to hearing of another’s suffering.

Allies must focus on how we respond to fear in ourselves and in others. When we respond with empathy, compassion and kindness, my experience tells me, we cannot go wrong.

Read more Ask An Ally Q&A’s from The Good Men Project on Medium:

The story was previously published on The Good Men Project.

About Keith Fadelici

Keith Fadelici is a writer, a hiker and a trauma therapist living in NYC. He co-authored a chapter in the book: Strength & Diversity in Social Work with Groups.

Social Justice
Allyship
Fear
Trauma
Oppression
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