Similarly, when just going about my business in life, I may become distracted by an obsessive thought. If I notice that I’ve wandered off into a train of thought, I may say, “thinking” and gently hop off the train as best I can. So, for example, if I am meditating and I notice how bored I am, I might gently say to myself, “boredom,” and then return to watching my breath. In a basic mindfulness meditation practice, mental noting means labeling the internal activity that is occurring in the moment one becomes distracted from their anchor (usually the breath). It can quickly devolve into a habit of “white-knuckling” through life, which is unsustainable.Active “ignoring” can trigger an additional sense of being in denial (and thus more anxiety).It can easily become a form of compulsive avoidance, a refusal to acknowledge that the thought occurred in the first place and a refusal to experience feelings as they are.It requires one to be in a state of mindful acceptance from the start, which is a major challenge for most people.It may enable the completion of tasks otherwise disrupted by OCD.It wastes as little attention as possible.It stays out of the content of the thought altogether.It treats the thought like the non-event that it is.It’s the “Keep Calm and Carry On” of navigating OCD. Doing nothing in response to a thought means not even taking a moment to acknowledge that the thought (or feeling or sensation) has occurred and simply plowing through your chosen activity as if unaware of any competition for your attention. ![]() How can we do nothing in response to thoughts? Well, first, we have to believe that nothing is happening. In terms of thoughts and the responses we give them, doing nothing means completely ignoring thoughts as meaningless chatter, no different than the ambient noise of traffic from a distance. One of my favorite things to do in general, or at least it would be if I ever did it for very long. Here are some options for responding to thoughts along with their potential pros and cons for OCD mastery: Doing Nothing About Your Obsessive Thoughts Any practice done by rote, or done every single time, especially if done in a sense of urgency, can quickly turn compulsive. There are practices that have a higher success rate (if we are associating the reduction of suffering with success) and practices that only work every once in a while in specific situations. There are practices that I see working better for some people and for others not so much. Ultimately, I don’t believe there is a best practice for responding to thoughts (OCD or otherwise). The significance of their content is attributed to them, not hidden in them, and whether they are “worth” incorporating into some behavior or better left alone is not the sort of thing that fits into a concrete equation. ![]() Yet this idea actually flies in the face of the central thesis of OCD mastery, which is that thoughts are thoughts, not threats. If we can fail in our response to thoughts, the implication is that thoughts have an intrinsic power, a quality that must be carefully examined. If we can be certain about the one true or “best” response to thoughts, it means that thoughts themselves have one true nature. ![]() One of the questions that often comes up both in my clinical practice and in the online support groups I contribute to is, “How do I respond to my thoughts?” Or more specifically, “What is the right way to respond to my thoughts?” There is a hidden OCD trap here in the search for the exact right way to respond to thoughts.
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didn’t work for me, but the 50/30/20 budget rule did. Get 50% off a monthly PocketSmith Premium subscription for the first two months! Follow the 50/30/20 Budget Rule You can use PocketSmith to plan for major goals like homeownership, debt freedom, or early retirement. These days there are even apps to help you plan for your financial future, like PocketSmith, an app that lets you use your financial history to forecast up to 30 years into your financial future. It was a very valuable exercise and my financial plan informs my budget. Through this process, I learn that if I wanted to retire before 65 years of age, I needed to make investing my top priority. Did I want to pay off my mortgage early or invest the extra cash? What made more fiscal sense: a TFSA or RRSP? Should I prioritize saving for my son’s education or my retirement? After getting my act together, I then scrutinized my assets and liabilities and calculated how much I’d need to reach my short- and long-term goals. I created my own! The first part of the process involved thinking about what mattered most to me. Surprisingly, you don’t have to hire a pro to make a financial plan. I also took care of other important business, such as making a will and getting adequate insurance. Budgets and financial plans work best together, but each serves a different purpose. In general, a budget serves to track cash flow and prevent overspending, whereas a financial plan is a written report that outlines your short and long-term financial objectives and priorities and sets out a path to achieve them. Research shows that 50% of Canadians don’t have a financial plan, which is shocking.Įveryone needs to make a financial plan – regardless of their age, income, or employment status. ![]() Based on my experience, here are a few alternatives to budgeting with : Make A Financial Plan So whether you’re looking to get out of debt, track your cash flow, or save for a specific financial dream (like a house or vacation), a budgeting app like Mint, YNAB, or PocketSmith can help you get to where you want to be.īut it didn’t work for me, so I took a long, hard look at my financial strategy and tweaked it. According to YNAB (You Need A Budget), new YNAB users save on average $600 by month two and more than $6,000 their first year (!). I also read some articles about some concerns about (and other apps and tools that access your information), so I decided to shut it down.ĭon’t get me wrong – a budgeting app can be an amazing tool that can help you achieve financial freedom. I moved beyond budgeting to looking at other financial factors too, such as how to start investing, whether to contribute to a TFSA or RRSP and buying a house. After establishing my career and paying off my student loans, I didn’t need to live as frugally. ![]() I needed a more flexible tool to fit my family’s finances. One month, I might be making five figures, whereas another might bring $1000. It was exhausting, and for us, it wasn’t making a difference in our spending.īut the biggest reason for quitting ? My financial circumstances didn’t fit with this budgeting app.Īs a freelancer, my monthly earnings fluctuate from month to month and trying to stick to a set-in-stone budget just isn’t doable. So I’d have to correct mistakes and be extra diligent about reviewing the numbers. ![]() Sometimes got things wrong too, by misclassifying or duplicating transactions. I Just Outgrew įor one, I found the app rather time-consuming: I’d spend an hour a day scrutinizing every financial transaction. The app even sent reminders to pay my bills on time! But eventually, it wasn’t enough. It helped me make a budget (displayed in a colourful pie chart), track my cash flow, and monitor my credit score and savings. I managed my money from one dashboard, linking my bank accounts, mortgage, credit cards, PayPal, and savings accounts to the app. At first, gave me everything I needed: a free and simple budget tool that I could use on my computer or phone. This year, I broke up with my budgeting software. Why I cancelled my account with, and what I did instead. For complete and current information on any advertiser product, please visit their Web site. Advertisers are not responsible for the contents of this site including any editorials or reviews that may appear on this site. ![]() The guild leader has access to all privileges and controls the entire guild functions, including adding the guild in the recruitment listing, changing privileges, or disbanding the guild entirely. Change ranks of other members (ranks 1-4 only)Īll members from rank 1 to 6 can access the following, unless otherwise stated or were not given privilege by the guild leader.Ranks can be given privileges, and by default, have the power to: There are currently six ranks, including the guild leader. ![]() Positions can be renamed to accommodate with the theme of the guild, up to 16 characters long. The guild command interface displays the bulletin board message, recruitment message and recruitment listing availability, accomplishments, positions, and ranks.Īs the guild levels, new positions will be unlocked. Up to 30 notes can be stored in the guild affairs. It can display any factual information about the guild. It is unlocked once the guild reaches level two. The shared guild funds can then be used to rent NPCs in the guild hall or expand the guild warehouse. Unlike the two prior methods, this can be done an unlimited amount of times per day.
![]() Generally, the factory window tint percentage ranges between 15% and 20 % on most cars. ![]() Although the exact amount varies, most automakers apply very little tint on car windows. This type of tint helps more with privacy than it does with shielding the interior of the car from ultraviolet (UV) rays. It is mostly applied to the rear window but more and more cars now have darker side windows. What is factory tint? As the name implies, it is original pigmentation on a car’s windows installed during the manufacturing process. That being said, others use a tint meter device to measure the precise amount of visible light transmission of a car’s windows. Experienced installers can usually approximate the amount of original tint just by looking at your windows. Ideally, you should have a professional install glass tint. This way, you will install a sufficiently dark film and that is within the requirements of local regulations. How to measure car window tint percentageĪre you curious about the tint percentage on your car windows? If you are looking to add a window film on your ride, it helps to know the amount of original tint on the windows. In particular, the backside windows and rear window of most cars come with a slight tint and are aptly known as privacy glass or factory tinted windows. These days, automakers install darker windows on the rearmost half of the car. On the other hand, darkness is the amount of tint. Overall, VLT is the amount of light that can penetrate the window tint. In the same vein, lighter film will have a higher VLT percentage. The tint on such a car would have a lower visual light transmission value. While they are closely related, they are not wholly the same.įundamentally, darker tinted windows let in less light into the car. Visible light transmission (VLT) and darkness are important terms in the tinting game. Is tint darkness the same as visible light transmission percentage? ![]() So, a tinted window that transmits 5% of visible light would be comparatively darker than one that lets in 80% of visible light. Essentially, the tint percentage represents the amount of visible light that can pass through the window. Interestingly, these varying window shades can be presented in percentages. You may have noticed that different cars have varying window shades-some appear darker while others don’t seem to have any shade at all. Understanding car window tint percentages Are you wondering what the deal with factory window tint is? Do you want to darken your car windows for an aesthetic boost and protection against UV rays? Whether you are an automotive buff like I am or you have recently acquired a taste for tinted windows, read on-I will help you understand everything you need to know about factory window percentages. |
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