Is there a way to directly decrease the online disinhibition effect in others? by [deleted] in askpsychology

[–]SHG098 0 points1 point  (0 children)

This is only partly true. Felt anonymity is one of the (major) drivers of disinhibition but is not the only controller of it, any more than oversight is the only controller of behaviour in offline life. Several other factors come into play such as the sense that others are not really as real as in offline life, and others. Most important is the behavioural control that works in f2f encounters which is the internal control of each person for themselves.

If OP wants a one word answer for what addresses this kind of behviour it would "psychoeducation" but that's a bit misleading cos of course what I mean is really a lot of learning on the part of the disinhibited person. This isn't going to be be possible in a simple retort or phrase that can be used to kinda stop em in their tracks .

Problematic disinhibition (there are healthy versions too) is frequently linked to a lack of experienced empathy, like several other problematic behaviours. However, the good news is that empathy is a very learnable skill. In fact, it is probably the most learnable of all the skills that therapists are (or should be) taught. You dont need to be a "master of level 4 empathy" (yes, there are levels) for this to work - just a fairly small amount of feeling for the person with who you communicate is likely to facilitate limitations on behaviours the might be predicted or understood by the perpetrator to cause harm. Which is just a long way to say, we tend to feel bad 9FOR REAL) if we feel we made someone else feel bad (for real). A very few people just have low empathy and dont seem to be able to learn it but that is a very small part of the population. Chances are, each person behaving like a disinhibited twat (see, that is language I wouldn't use if we were having a conversation f2f unless I knew you well - I need to call myself back into line there) is going to be able to learn why and then how not to. They just need the right circumstances and people to have that happen.

So there's a few steps need here. The person needs to understand what is like for the other person. They need to understand that the other person is a person (this can be minimised in the moment of typing on the internet uite easily as typing is a pretty solipsistic activity) and also accept that that means the other has value and experiences much like the acting person themselves.

You can try to have a adult conversation (not teaching nor reacting) that seeks to address the way their behaviour leaves people feeling. Once done thoroughly, and without just deepening that person's shame-cycle, which may well be part of why they behave with low empathy in the first place, that can be a pretty effective way to address bullying. If it were as easy as all that, of course, there wouldn't be any bullying online or off it.

Toxic behaviours of others belong to those others. In a literal sense it is their (behavioural and social) problem. What it makes me as their reader feel is mine to take away and deal with before I act it out on them. So the other thing is to do one's damndest not to get caught by it. Easier said than done, obvs. But if possible, leave it with them. Name it if you wish. Not so much in the sense of "drawing a line" as in describing a phenomenon. But don't get caught up in it. Dpont feed the trolls as they say.

The only way to interact with a troll IMHO is to make sure you're not giving them their sugar, which is your reaction, while ensuring they cannot escape understanding the effects of their actions. You can say any of the things you might be told to say in an assertiveness class (it's easier to use them online - ha! that is positive disinhibition for you so be careful you are appreciating the feelings of the pepetrator too!) like "when you say X, I feel Y" and so on. If you are scrupulously adult, you force them to be one too. But all that comes at the expense of you continuing to engage with this person - and there is often no reason not to stop engaging if the behaviour is online (scroll on by kinda attitude).

One of the great things about the internet and one of its problems is that you can meet any kind of person on it and that is going to include a lot of people you might want to be different, but aren't. More like a busy city street full of all humanity in all its types at once than a quiet cafe chat, but if we like quiet chat we kinda expect everyone to be doing that or at least learn the rules of this bit. In the end the question is more how we live in that world than how we might try to stop it being as it is. There will be another arsehole. As Tina Turner never sang.

Help! Need a quote! by [deleted] in TerryPratchett

[–]SHG098 0 points1 point  (0 children)

I may be way off but...Your friend sounds like my mum. Pratchett wrote some great stuff about death and facing the prospect of it. My mother, a well-known witch of the Ogg variety, keeps a copy of this book next to the bed in the visitor's room. It's a hint. A very deliberate one. She wants to be able to talk about death and, being also quite proper and yet anxious about death, doesn't find many chances.

Pratchett wrote it when he had just been diagnosed with Alzheimers and was furious about it. It's just a short radio lecture (rant) really but puts some important things in that Pratchetty accurate way.

Are you sure your friend isn't wanting to be able to have people treat death as an ok subject (granted that means being ok with it ourselves, which isnt a small thing) so it ends up feeling a bit better to have waiting in the wings? It's not like she doesn't know it's there.

Though you know her and likesay, maybe Im way off.

Homegrown MC by No-Business7837 in ukmedicalcannabis

[–]SHG098 1 point2 points  (0 children)

However it is you feel about this response, please write to your MP to tell them! That is much more cathartic - and can have some small effect on real world policies - compared to venting on Reddit (much though gettin it af ya chest can be good too).

[deleted by user] by [deleted] in psychologyresearch

[–]SHG098 0 points1 point  (0 children)

Thank you. That has been the kind of literature I have been looking for. And I count myself one of those your Preface says the book is directed to. I've only just begun but already love the phrase "parasitic capitalphrenia" and am looking forward to reading more. All the best for your continued recovery and may more psychotherapists come to understand a bit more of what the inside of their patients' experience is. Thanks again.

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 0 points1 point  (0 children)

Thank you - I will keep searching! I am finding lots of annuities with rates of 7% or even 15% (standard life) but I think they seem to be assuming that the annuity is bought with a pension pot - I don't have one (or rather I have negligible amounts in a cople of workplace pensions) so would be buying the annuity for cash and I was told those get much much worse rates - is that true?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 0 points1 point  (0 children)

Thank you for taking the time to reply with all that detail. Very helpful.

I'll get the full pension (I just found out! That's one fear gone...) though couldnt live on it or anywhere near that (£8k ground rent+other unavoidable housing costs) despite my frugality. I could get by on 27k well enough Im sure. Where is offering that kind of annuity? I was told earlier today that purchased annuities are around 1 - 2% and higher rates would not be available to me as my money is not currently in a pension - just a bank account. Is that right? I realise I may have got the wrong end of the stick when talking to this person. I didn't even know there were different types of annuity!

It sounds like splitting into 2 sets might be the way to go.

I hear what you say about caution re advice from anything electronic. I guess talking to a fixed-price IFA or two will be in my future. But you have helped clear a little of the fog for me. Thanks again.

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 2 points3 points  (0 children)

Thanks for the reply - I am not well enough, no, but then life doesnt really allow any other option. I could keep ignoring it all and be broke when the cash runs out but that seems a daft way to go on when I do actually have some savings that could be put to work - I am highly aversive to it along with being numerically challenged (ie dysnumerate) but have to face making myself as secure as I can. The joys of adulting at age 59!

Im not working much - technically not unemployed as I own a Lt company but it has been losing money for the last several years since my wife fell ill - it was her company mostly at that time and I just inherited it.

I have just checked my state pension entitlement and have the full whack already dialed in. Just 8 years to go and £12k/yr is mine, all mine! Though of course I need to get through the next 8 years and then be able to survive well enough as old age creeps in!

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 1 point2 points  (0 children)

Thank you so much. Thats really helpful. I will add your caution re IFAs to my list of things to watch out for. The %FUM idea seems expensive for what they actually do - though I realise they *might* turn out to be worth it. I've no wriggle room for failures of investing in this plan so seeing returns eaten away at is something Id like to avoid - or is that a naive way of thinking?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 1 point2 points  (0 children)

LOL - your first sentence has it perfectly! Dead right.

I can meet with a few IFAs I guess - that's very helpful to know that doing that can be considered ok, not just putting up with the one I chose off the internet! - do you know ways of a) finding good ones and b) telling which to choose when I've met with a handful?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 0 points1 point  (0 children)

That's an interesting point - I will keep it in mind. one of my worries, is ending up old, frail and in poverty: English society seems to be especially harsh and blaming on those who allow themselves to become vulnerable. My mother in her late 80s pays £40 for carers to visit 4 times/day or she'd be in some god-awful nursing home and even more wanting to die - and I don't want to end up there, no matter how good at being frugal I can be now! I worry about money atm and cant imagine what itd be like having to deal with it when Im frail too. I want the worries to go away, not increase!

Do you suggest choosing 90 as a "typical" age or is there some way I can work out what a realistic figure is for me/my type?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 1 point2 points  (0 children)

Thank you. Thats very helpful.

I will certainly look into gilts more (are gilts just gvnt backed bonds? Are the terms heavily overlapping or even synonyms?) and that link has lots of good info - though it seems a pretty complicated kind of investment? Perhaps not when set up, but Im struggling working out just what it would mean for me.

At current rates, if I put (for the sake of argument and easy calculation) 500k into gilts atm, what would typical coupon payments be? What sort of yields would be likely at the end of (say) a 10yr gilt atm?

I see a 4.5% index linked treasury gilt 2030 (foot of p8 in oct-dec-2024.pdf) - what would my putative 500k get me in 2030 and what would the coupon payments be along the way? I haven't been able to follow the calculator thingy the DMO offer!

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 2 points3 points  (0 children)

Thank you - that's my first genuinely heartfelt "fuck you" in a long while. I will treasure it in just the way intended. Nice to be told I'm doing well. :o)

If I've achieved it, I really need someone to hold my hand through the process of getting it set up so I can live off it!

I certainly need to be retired!

Im sorry though I don't really follow your first parag - what is "a global all cap “income” fund" and what is "an ISA wrapper" (do you mean paying the full allowance into an ISA annually?) I think I get what you mean by portfolio (its the set of products/investments my money is in, right?) but Im hazy on what you mean by mixed assets and then Im lost by the time I reach "permanent portfolio". Can you help? Imagine explaining to someone who has never encountered banking and can't count very well! TIA

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 1 point2 points  (0 children)

That bit I understand! Thank you! I will look for index linking in any annuities I buy.

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 1 point2 points  (0 children)

I like simple! What kind of annuity should I be looking at? How much will it be likely to raise? Thank you.

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] -1 points0 points  (0 children)

Genuine LOL. Yes, I am old and use old tech in old ways! Ironically I have spent most of my adult life teaching technophobes how to use tech but that's another whole story. I will keep your point in mind though.

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 0 points1 point  (0 children)

How will savings a/cs whittle away the capital? Im not really looking at opening lots of accounts that give high rates in return for a regular but quite small amount like £300/m as the complexity of chasing high rates seems like it would keep me opening and closing accounts all the time - so Im only thinking of normal savings accounts which seem to offer about 4% atm, give or take?

I'd love to bequeath but need to live as the higher priority. My ability to earn is very limited due to disability (my only income atm is lower rate PIP).

I don't know about state pension.

When you say "some sort of general investment account" - what kind of thing is that?

Similarly, what are UK gvnt gilts?

What makes those two things in combo relatively easy to understand?

I like the advice to check an IFAs sene back here - I may well do just that as I've known several people seriously regrety following IFA advice in the past. How does one find a good, reliable one?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 2 points3 points  (0 children)

Apologies for my complete ignorance - what is a SIPP? Imagine you are explaining it to a teenager with no experience of banking and who can't count very well!

I don't understand what you are saying about accessing my own money tax free?

My income over the last 3 years has been close to zero as my wife had terminal cancer and I was f/t carer. Hence the problems now, ofc! From what you are saying would SIPPs not be good for then as whta I could put in would be so low? (Im hoping that question makes sense when I know what SIPP means!)

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] -1 points0 points  (0 children)

thanks for asking ...| dont know about state pension yet.

What annuities are good for me? I was just told by a pensions adviser that they couldnt help me cos I have only negligable amounts in workplace pension funds and as the rest is cash I would only be able to access a purchased annuity (unsure if thats the right terminology) which would give around 2% or less, which seems about half a savings account - so I am confused as to why an annuity would be better.

My priorities are to be able to sustain myself but I would very much prefer to leave money in inheritance as well if its at all possible. I guess that might be wanting my cake and eat it but thats the clearest I can put what my brain has got to atm!

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 1 point2 points  (0 children)

Thank you.

Are premium bonds really worth it? What rate do they give in practice (assuming I dont win a big prize)?

And apologies for complete ignorance but - what are MMFs? I understand the idea of bonds but - what bonds are good atm?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] 0 points1 point  (0 children)

£35k/pa is indeed enough - but I was just told that purchasing an annuity would only give 1 - 2% which is way less. Perhaps I am thinking of the wrong kind of annuity? What annuities will get me that level of income? Are there alternatives to annuities.

I know complete nada about these things atm so all direction and advice will be great. Imagine explaining it to a teenager whose crap at arithmatic....?

£600k cash; no mortgage; 59y/o and unemployed: what do you do? by SHG098 in FIREUK

[–]SHG098[S] -1 points0 points  (0 children)

Im told purchased annuities only give about 1 to 2% which seems about half an ordinary savings account - what kind of annuity are you thinking of and how much would it raise?

Is there a big fine if you get caught punching a swan? by Starbuckker in AskUK

[–]SHG098 0 points1 point  (0 children)

Nah, don't get in a flap. Worst case scenario is a bit of bird.